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Choosing a Loan Program

There isn't a single or simple answer to this question. The right type of mortgage for you depends on many different factors:

  • Your current financial picture
  • How you expect your finances to change
  • How long you intend to keep your house
  • How comfortable you are with your mortgage payment changing

For example, a 15-year fixed rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

The best way to find the "right" answer is to discuss your finances, your plans and financial prospects, and your preferences frankly with a mortgage professional.


Karen M Xavier DaCuha TOTALLY ROCKS!! She has been such a blessing to me with her kind, caring and absolutely passionate way that she conducts herself. Karen is a one of a kind, truly a gem!! Karen knows exactly how to make a person feel like they are the most important person on the planet, even when you know darn well she totally has a full work load!! I can't express how much gratitude I have for this woman and how much of an impact she has had on not only my loan process, but on how I view people when I am totally out of my comfort zone!! Lastly, I just have to say this even though I am sure anyone who has personally come into contact with her can attest she is absolutely the best part of HarborOne!! Please tell her how wonderful she is and make her feel the same way she makes others feel DAILY!! - Bernadette
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