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Financing

A Simple Path To

Homeownership

Our in-house financing makes securing your dream home straightforward and stress-free, with tailored solutions designed to fit your needs.

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT
This is to give you notice that Green Acres Land Corp. (the “Selling Entity”) has a business relationship with Harness Home Loans, LLC (“Harness Home Loans”). Specifically, the Selling Entity and Harness Home Loans are affiliated companies under common ownership. Because of this relationship, this referral may provide the Selling Entity with a financial or other benefit.

NOTICE OF CHOICE

You are NOT required to use Harness Home Loans as a condition for:

✔ Settlement of your loan
✔ The purchase or sale of the subject property
✔ Any other transaction

There are other settlement service providers available that offer similar services. You are encouraged to shop around to determine whether you are receiving the best services and the most competitive rates for your financing needs.

ACKNOWLEDGMENT

By clicking “I Accept” below, I/we acknowledge that:

✔ We have read and understand this disclosure form, including the affiliated business relationship between Green Acres Land Corp. and Harness Home Loans.
✔ We understand that the Selling Entity or its affiliates may receive a financial or other benefit as a result of our use of Harness Home Loans’ services.
✔ We understand that we are not required to use Harness Home Loans and have the right to seek mortgage financing elsewhere.
I accept

Why Finance Through MCR

Our fully online mortgage platform connects you with competitive rates from our trusted lender network, ensuring the best financing options for your home. With direct access to the Mountain Crest Reserve (MCR) team, your lender works seamlessly within our process, making your path to closing smooth, efficient, and stress-free.

Mortgage Process Overview

Smooth & Simple Mortgage Process. Financing your new home is easy with our expert guidance. We simplify the process, keep you informed, and ensure everything stays on track for a timely closing.

1. Pre-Qualification – Complete a quick mortgage pre-qualification form. Securely access and upload necessary documents.

2. Application – Online portal for tracking progress and managing documents. Provide key documents like pay stubs, bank statements, and tax returns.

3. Approval – If approved, receive a Loan Commitment outlining your terms. We’ll reach out if additional information is needed.

Loan Options

Whether you’re a first-time buyer, a veteran, or seeking specialized financing, we provide solutions tailored to your lifestyle and needs.

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A popular mortgage option with flexible terms and competitive rates for qualified buyers.

Conventional

A specialized home loan for veterans and active military, offering benefits like offering zero-down possibilities.

VA Loans

Hand holding house-shaped keychain over coins and a wooden box. Hand holding house-shaped keychain over coins and a wooden box.

Designed for higher-priced homes, offering larger loan amounts with competitive lending options.

Jumbo Loan

Stethoscope and pen on medical documents with charts and text. Stethoscope and pen on medical documents with charts and text.

Tailored for medical professionals, providing financing with special terms and reduced requirements.

Doctors Loans

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Covers the cost of building a home and seamlessly transitions into a long-term mortgage after completion.

Construction to Permanent Loan

Loan Options

Whether you’re a first-time buyer, a veteran, or seeking specialized financing, we provide solutions tailored to your lifestyle and needs.

A couple sits on a rocky cliff at sunset, embracing as they look at the distant hills under a glowing sky.

Conventional

A popular mortgage option with flexible terms and competitive rates for qualified buyers.

American flag waving on a flagpole against a cloudy sky background.

VA Loans

A specialized home loan for veterans and active military, offering benefits like offering zero-down possibilities.

Close-up of one hand passing a set of keys to another hand indoors.

Jumbo Loan

Designed for higher-priced homes, offering larger loan amounts with competitive lending options.

Stethoscope and pen on medical documents with charts and text.

Doctors Loans

Tailored for medical professionals, providing financing with special terms and reduced requirements.

Old wooden cart under a rustic log shed with lush trees in the background on a sunny day.

Construction To Permanent Loan

Covers the cost of building a home and seamlessly transitions into a long-term mortgage after completion.

MCR Loan Program Advantage

Harness Home Loans LLC (NMLS #2621450) is Mountain Crest Reserves’ affiliate which specializes in home loans. 

Our innovative mortgage platform gives you access to a wide network of national and local lenders, ensuring you get the most competitive rates and loan options tailored to your needs. Instead of being limited to a single lender, we provide a marketplace of financing solutions, allowing you to compare options and choose what works best for you. Whether you’re looking for lower monthly payments, flexible terms, or a specialized loan program, our platform helps match you with the right lender—all while keeping the process fast, seamless, and stress-free.

Rate & Payment Calculator

Financing FAQ’s

General Mortgage Process

How does the mortgage process work with Harness Home Loans?

Our mortgage process is entirely online, from application to approval. We connect you with competitive rates from our preferred lender network, and our team works closely with the bank to ensure a smooth closing.

How long does it take to get approved?

Pre-approval can take as little as 24-48 hours, and full approval depends on the loan type but typically takes 30-45 days.

What documents do I need to apply?

Typically, you’ll need:

    • Proof of income (W-2s, pay stubs, tax returns)
    • Credit history
    • Bank statements
    • Employment verification

Loan & Rate Questions

What types of loans are available?

We offer a range of financing options, including:

    • Conventional Loans
    • Jumbo Loans (for higher-priced homes)
    • FHA & VA Loans (for qualified buyers)
    • Adjustable-Rate Mortgages (ARMs)
Will I get a competitive interest rate?

Yes! By working with our preferred lender network, we help you secure the most competitive rates available for your financial situation.

Can I lock in my interest rate?

Yes, many of our lenders offer rate lock options so you can secure a low rate while you finalize your home purchase.

Do I need perfect credit to qualify?

No! Many loan programs offer flexible credit requirements, and our lenders can help you find the best option based on your credit profile.

Closing & Costs

How does your mortgage platform make closing easier?

Your lender has a direct line to the Mountain Crest Reserve (MCR) team, meaning fewer delays and a seamless closing experience.

What are the typical closing costs?

Closing costs generally range from 2-5% of the loan amount and may include lender fees, title insurance, and appraisal fees. Our team will provide a detailed breakdown early in the process.

Can I roll my closing costs into the loan?

Depending on your loan type, you may have the option to finance your closing costs instead of paying them upfront.

Do I need a down payment?

Most loan programs require a minimum down payment (e.g., 3-5% for conventional loans, 20% to avoid PMI). However, we offer programs with low or no down payment options for qualified buyers.

Green Acres Land Corp. has a business relationship with Harness Home Loans, LLC, an affiliated mortgage provider under common ownership. Because of this relationship, Green Acres Land Corp. may receive a financial or other benefit if you choose to use Harness Home Loans. You are not required to use Harness Home Loans as a condition for obtaining a mortgage or purchasing a home. You are encouraged to shop around for the best rates and services for your financing needs.

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Ready to discuss financing through MCR?

Contact Us