Harris - Mortgage Advantages

Personal Financial Services

The Harris No Surprises Mortgage

Mortgage Advantages

No Surprises^®
Our No Surprises Mortgage promise comes with every home loan we make. It means what it says…there will be no unexpected or unpleasant surprises with your Harris mortgage. We will explain the entire loan process to you in simple, easy-to-understand language. We'll tell you what all of your costs will be, up-front; and we'll give you a competitive interest rate quote in writing. There will be absolutely no surprises along the way or at closing.

Dedicated Loan Servicing
If you ever have any questions or concerns about your Harris mortgage, call our Customer Service Department at 1-800-207-3058. We'll be there with prompt, efficient courteous service.

Low Closing Costs and No Hidden Fees
At Harris, we offer low closing costs and no hidden fees. Everything is simple and in easy-to-understand language.

Pre-Approval
At Harris a pre-approval offers a firm loan commitment from us before you buy, so you'll know how much house you can afford while you are shopping.

Extended Rate Locks
Harris offers standard 60 day rate locks. If your closing will take place after 60 days, Harris offers the option of extended rate locks up to 180 days depending on your product choice. Choose the rate and price protection option that is best-suited for your situation.

For new construction, Harris offers price protection up to 450 days, depending on product choices.

Rate-Cap/Float-Down Options
Harris offers Rate-Cap/Float-Down options for new construction loans closing between 4 and 15 months from the time your loan application is received, depending on your product choice. Our Rate-Cap/Float-Down option offers both protection from rising rates (your rate will be capped at a specific interval above your rate at application), as well as allowing your rate to float down if market rates decrease. It's the best of both worlds!

Mortgage Hotline
You can call us with questions or arrange an appointment at 1-888-HUBERT-1 (1-888-482-3781). We'll be happy to make an appointment at a time and place of your convenience or take your mortgage application over the phone.


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Harris^® is a trade name used by Harris N.A. and its affiliates. Member FDIC.

Third party web sites may have privacy and security policies different from Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from Harris web sites.

Brokerage products offered through Harris Investor Services, Inc. registered broker/dealer, member FINRA/SIPC , SEC-registered investment adviser. Insurance and annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliates of Harris N.A. and its banking subsidiaries. Products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE VALUE.

United States Department of Treasury Regulation Circular 230 requires that we notify you that, with respect to any statements regarding tax matters made herein, including any attachments, (1) nothing herein was intended or written to be used, and cannot be used by you, to avoid tax penalties; and (2) nothing contained herein was intended or written to be used, and cannot be used, or referred to in any marketing or promotional materials. Further, to the extent any tax statement or tax advice is made herein, Harris N.A. does not and will not impose any limitation on disclosure of the tax treatment or tax structure of any transactions to which such tax statement or tax advice relates. Harris N.A.does not provide legal advice to clients. You should review your particular circumstances with your independent legal and tax advisors.