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Working with HarborOne Mortgage is your first step to becoming the ULTIMATE Home Buyer. By taking 5 minutes now to answer a few simple questions about your needs and current situation, you are well on your way!

Once the online questionnaire is completed, a local, professional, experienced Loan Originator will reach out to you to go over your responses and discuss the options available to you. If you already have a property in mind, they can help you complete your application at that time or click here to apply now.

If you haven't found "THE one" yet, don't worry. Since time is of the essence when you are ready to make an offer on the home of your dreams, especially in today's market, we can arm you with a pre-approval or pre-qualification letter to help. It is free to you, but carries its weight in gold to a seller and their Realtor. That one piece of paper can make your offer stand out and can tell them you are serious about this home, you have already started the mortgage process, and you are that much further along than the other buyers competing for the same property.

So what are you waiting for? Become the Ultimate Home Buyer and Find your harbor!

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Ultimate Homebuyer

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Terms and Conditions

  1. No Fee Rate lock applies to the initial rate lock for terms up to 90 days in length. Subsequent changes or extensions may necessitate a fee.
  2. Payment made in the form of $500 Visa gift card. The delay must be caused by HarborOne Mortgage LLC (HOME) in order to be eligible for the $500 Visa gift card. Consumer must notify HOME within 10 days after closing that they met eligibility requirements in order to receive the $500 Visa gift card.
    • The closing date must be at least 30 calendar days from the later of the loan application date and/or the purchase contract date.
    • All documents must be submitted to HOME within 2 business days of a request: full income verification, complete asset statements, credit reporting documents, any other documentation requested.
    • There are no credit related disputes, such as credit reporting errors which must be rectified prior to loan closing.
    • Loan program cannot change during the loan process.
    • The closing may not be delayed by the buyer, seller or a third party, such as a real estate attorney or title company, failure to obtain a homeowner's insurance policy, flood zone determinations, inclement weather, a natural disaster, or other emergency outside of HOME’s control, etc.

Offer applies only to Purchase transactions. Offer not available on: Lock-Down Program, Construction-permanent financing, and condominiums. This program is subject to change and may be discontinued at any time. Loans are subject to credit approval and verification of information provided on the application. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice.

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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