Home Loans

Now is the time to purchase or refinance your home.

Harbor has a team of real estate experts dedicated to help you realize your dream. Whether you are purchasing a home or refinancing your existing mortgage, we'll help you every step of the way



Buying A Home

  • Purchase Rates
  • Find A Home - Realtor Advantage
  • Home Owners Insurance



Refinancing Your Mortgage

  • Mortgage Refinance Rates
  • Learn About Refinancing
  • Access Your Home Equity

First Mortgage: Fixed Rate Programs

  •  Rates Effective 11-17-2017
Conforming1 Fixed Rate (starting at) Points APR2 Payment/$1,0003 Alert Me
30 YR Fixed 3.875% 0.000% 3.958% $4.70
30 YR Fixed 4.000% -0.625% 4.031% $4.77
20 YR Fixed 3.625% 0.000% 3.739% $5.86
20 YR Fixed 3.750% -0.500% 3.807% $5.93
15 YR Fixed 3.250% 0.000% 3.395% $7.03
15 YR Fixed 3.375% -0.500% 3.447% $7.09
10 YR Fixed 3.250% -0.125% 3.434% $9.77
10 YR Fixed 3.375% -0.375% 3.507% $9.83
Conforming High-Balance Area4 Alert Me
30 YR Fixed 4.125% 0.000% 4.159% $4.85
30 YR Fixed 4.250% -0.500% 4.242% $4.92
15 YR Fixed 3.625% 0.000% 3.683% $7.21
15 YR Fixed 3.750% -0.250% 3.772% $7.27
Non-Owner Occupied (Investor)5 Alert Me
30 YR Fixed 4.125% 0.875% 4.435% $4.85
30 YR Fixed 4.250% 0.250% 4.507% $4.92
15 YR Fixed 3.625% 1.125% 4.206% $7.21
15 YR Fixed 3.750% 0.500% 4.237% $7.27
Jumbo Rates6 Alert Me
30 YR Fixed 3.875% 0.000% 3.958% $4.70
30 YR Fixed 4.000% -0.625% 4.031% $4.77
20 YR Fixed 3.625% 0.000% 3.739% $5.86
20 YR Fixed 3.750% -0.500% 3.807% $5.93
15 YR Fixed 3.250% 0.000% 3.395% $7.03
15 YR Fixed 3.375% -0.500% 3.447% $7.09
10 YR Fixed 3.250% -0.125% 3.434% $9.77
10 YR Fixed 3.375% -0.375% 3.507% $9.83
Rates shown not available in all states. Rates are representative and rounded to nearest point. Actual rates may vary. Assumptions and monthly payments. Fixed-Rate Loans: -Conforming loan amounts vary and depend on property location. -Maximum Loan Amount: Up to 80% combined loan-to-value. Jumbo Loans: -Jumbo Loan amounts vary and depend on property location. -Maximum Loan Amount: up to combined loan to value.
  • 1Conforming Loans up to $424,100. Primary Residence and Second Homes only. .
  • 2APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.
  • 3Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and includes principal and interest only. Taxes & insurance will increase your payment. Loan costs include points, loan origination fee, title insurance, escrow, recording, processing fee and impounds for taxes & insurance (if applicable). The Credit Union will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.
  • 4Conforming High-Balance Loans $424,101-$636,150. Primary Residence and Second Homes only. .
  • 5Investor Loans up to $424,100.
  • 6Jumbo Loans over 636,151. Primary Residence and Second Homes only.

Mortgage Loan Calculators

Home Affordability
Lenders will typically look at any of these ratios as constraints, meaning once any of these ratio limits is reached, the amount of the loan will be capped.
Loan Calculator
Find your monthly mortgage payment for a given purchase price, down payment, interest rate, and loan term.
Compare Loans
Determine which of two mortgage loans is the better deal.
Adjustable Rate Mortgage Analyzer
Determine whether paying points for a lower interest rate is a good deal.
Should I Refinance?
Compare the terms of your current loan to the refinance loan that you are considering.

Expert Advice Every Step Of The Way

A lot of lenders promise expert advice, but very few have your best interests in mind. Our mortgage experts will find you the best mortgage that fits your budget and plans. We offer honest rates and an upfront estimate on your monthly payment. 

Carson Branch

Freddie Yeawary

Freddie Yeawary
Sr. Mortgage Loan Consultant
NMLS ID # 440899
Tel:  562.370.4006
Fax: 866.818.7244

Please enter the code shown in the image
  captcha code for visual authentication  letter Y number 4 letter W number 2

First Team sells more homes in Southern California than any other real estate company. When you sign up for our Customer-exclusive program, we will select an agent just for you who will work with your loan consultant to help make your home purchase go smoothly. 

Start Your Home Search

Find Your Perfect Home

Search every MLS listing in Southern California to find your home and work with experienced professional agents in your area.

25% Commission Rebate

Get a 20% rebate from the commission of a participating First Team Real Estate agent when you complete either a home sale or purchase. If you complete both a sale and a purchase with First Team, you can receive a 25% rebate.

20% Escrow Discount

20% discount on escrow services from Hallmark/Coast Cities Escrow, including free signing services at your home or office and guaranteed on-time closing or Hallmark/Coast Cities Escrow will pay you $350.

TruStage® Auto & Home Insurance Program

You trust your Credit Union to make products and services available to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance companies, these programs can provide discounted rates exclusively for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Southland Credit Union.

TruStage Car and Home insurance.  You could save an average of $519.52.  Get a quote.


Call to find out how much you can save


Get a Quote