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HarborOne Mortgage is open for business. The health and safety of our customers and our team are of the utmost importance to us in this ever changing COVID-19 environment. Because of that, we are fortunate that our staff is able to work from home and online and ready to assist you with all of your home financing needs.

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.


Liz was AMAZING, the closing date moved up 10 days and she still got everything done - responding to time concerns and questions immediately. She absolutely was someone I could trust and she was knowledgeable, personable, hard working, and answered any questions I had as a first time home buyer - Paige
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