Practical guidance on personal finance, lending, and digital banking from the team at Harborstone National.
We're excited to announce that Harborstone National has completed integration with the Federal Reserve's FedNow instant payment service. Personal and business account holders can now send and receive funds in seconds, 24/7/365. Here's how to get started and what limits apply.
With 30-year fixed rates hovering near 5.8%, affordability remains a challenge for first-time buyers. Our mortgage team breaks down conventional vs. FHA options, explains the benefits of rate buydowns, and shares strategies for competing in a tight inventory market.
Check fraud has surged 385% since 2021, with sophisticated mail theft rings targeting personal and business accounts. Learn about Positive Pay, our new check verification service, and six practical steps to protect your accounts from increasingly bold fraud schemes.
The SBA recently expanded its 7(a) and 504 loan programs with higher guaranty limits and streamlined processing for businesses under $5M in revenue. Our commercial lending team explains the changes and how Harborstone can help your business access affordable capital.
Financial advisors have long recommended 3-6 months of expenses in savings, but the right target depends on your income stability and household structure. We introduce our 3-6-9 framework that tailors emergency savings goals to your specific financial situation.