Get pre-approved with confidence, not guesswork.

Harborline compares real-time rates across 37 lenders, runs the numbers with you live, and tells you exactly what you qualify for — before you ever make an offer.

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4.19%5-Year Fixed

4.55%5-Year Variable

4.34%3-Year Fixed

5.95%HELOC (Prime)

Sample rates for illustration only, as of Aug 2026 · fictional demo brand

Modern home exterior at dusk, glass facade lit warm against a teal sky

4 days

Average pre-approval turnaround

Mortgages funded: $480M+
Families placed: 1,900+
Lending partners: 37
Avg. approval time: 4 days

Four stages. Four days. No black box in between.

Application

Verification

Underwriting

Approved

4Days to approval

4.19%

5-Year Fixed

4.55%

5-Year Variable

4.34%

3-Year Fixed

5.95%

HELOC (Prime)

Today's rate sheet

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Fixed-Rate Mortgage

4.19%

5% min. down

Locked payments for the full term — the standard choice for budget certainty.

Variable-Rate Mortgage

4.55%

5% min. down

Tracks prime rate. Historically lower cost over a full term, with more movement.

First-Time Buyer Program

4.09%

5% min. down

Blended incentives and extended amortization options for qualified first-time buyers.

HELOC

5.95%

up to 65% LTV

Revolving credit secured against home equity — for renovation or investment liquidity.

Mortgage documents, a calculator, and coffee laid out on a desk

We negotiate. You don't.

Lender-side rate leverage

Access to 37 lenders means your file gets shopped, not just submitted to one bank.

100%

Underwritten before you offer

Full pre-approval with income and credit verified — not a soft estimate.

One broker, start to close

The person who runs your numbers is the person who walks you to closing.

See exactly what you qualify for — in under two minutes.

No credit check · No obligation · Just real math

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