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HarborOne Mortgage has recently become aware of a scam that is being perpetrated partially in our name and we don’t want anyone to fall victim to it. If you have you received a UPS package containing a money order to become a mystery shopper or other money making opportunity that appears to be sent from HarborOne Mortgage; you could be the recipient of a scam. Scammers will often recruit “mystery shoppers” using a check or money order sent to your home. Then, they’ll request you return a certain amount of money back. Before you know it, your bank will declare the check or money order as counterfeit and you may be on the hook for any money withdrawn from your account or wired to scammers. HarborOne Mortgage does not employ any secret shoppers or solicit money making opportunities. If you have received an unexpected UPS package that appears to be from us you can call 800-877-8686 and ask to speak to someone in our Risk Department.

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.


The home buying process is a complex one but working with Applied, I never felt overwhelmed or forgotten. I would suggest them to anyone attempting to purchase their first home. First rate experience. - Matthew
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