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HarborOne Mortgage is open for business. The health and safety of our customers and our team are of the utmost importance to us in this ever changing COVID-19 environment. Because of that, we are fortunate that our staff is able to work from home and online and ready to assist you with all of your home financing needs.


Zillow Reviews


After practicing law in Texas for decades, I decided to return to Massachusetts. Despite the distance and having never met, John treated me like a next-door-neighbor and made it happen. I was especially impressed by his willingness to answer questions even before I had made a full decision to return to Massachusetts; he genuinely - as a very decent person - wanted to help me. Once the process began in earnest he showed a level of skill and analysis which was outstanding in his assistance in making sure I chose the correct loan and financing options and gather all the necessary documents . . . so many more seem to be required now than 20 years ago). John has all the skills you would hope to see in professionals these days but often don't; prompt return of calls and emails (at all hours!), patience in working through decision-making, clear and ready assistance in navigating the mortgage qualification process, good working relationships with other professionals (he saved me over $1,500 when he saw how much my insurance company was going to charge for a homeowner's policy), and a welcome sense of humor. Fiduciaries are governed by law . . . good, honest, hard-working people live by a sense of decency. John combines everything you could want in terms of technical skill, financial knowledge, and - most importantly - being there for you as someone you can be confident puts your best interests first.


John Martin is more than helpful. He goes far beyond anything I expected to serve his clients. I was informed of all that was happening every step of the way. I couldn’t be happier. I have worked with John on three mortgages. John knows all the new rules and is never at a loss for knowledge. He is a true professional and makes the process enjoyable. I absolutely recommend John Martin for all your mortgage needs.


I worked with John Martin during my recent home purchase. My husband and I were first time homebuyers and had already tried securing a mortgage through several large banks with no success due to our unfortunate amount of student loan debt. John was recommended to us by our realtor as someone who thinks outside the box to help find the right mortgage product for his clients. We could not have been happier with his professional service, expert advice, patience, and personal attention throughout the homebuying process. We are now proud owners of our dream home and truly have John to thank for it!


I did not think I could own my home after my divorce and John walked me through the whole process with total patience and reliability. He treated me like an equal even though it was all new to me. After I refinanced my new mortgage, he has continued to help me with any questions or issues that have come up. I can't recommend him enough. I already have sent a few friends to him. I feel so lucky to have found him.


We’ve worked with John since 1998 on 3 seperate occasions. He’s always helped us get the financing we need, even in sticky situations like our last one. We had found our dream home, a little cottage on a lake, but hadn’t sold our first home yet, and other offers were on the table. He got back to me right away, got us the approval we needed, and we were able to submit a timely offer and are now living the dream! He makes the banking experience personable and friendly and is highly responsive to questions. It’s such a different experience than dealing with a big bank that passes you off to whoever answers the phone. I’m always amazed at the level of care and detail he puts into his work. I recently recommended him to a friend with a different situation and housing requirements and he did the exact same thing for her!


Working with John Martin was an absolute pleasure. He made the process easy, and was extremely attentive. John was so patient with all of our questions, and the back and forth of our situation. Throughout the process my husband and I couldn't stop saying to each other how grateful we were for John, because he made an otherwise daunting process enjoyable and meaningful. (We had some potential barriers that John helped us navigate effectively too.) We would not work with anybody else. I truly mean that. This was our second home purchase, and before we met John I was dreading going through the process again because our first time home buying experience with a different loan originator on the west coast was extremely challenging. However, working with John was the exact opposite experience we had with our first originator, and renewed my trust in the process. Aside from the fact that John is extraordinarily timely & detail oriented, the best part about working with him is his authenticity. He is warm, encouraging, and really appreciates helping folks meet their goals. I think this very important piece about human connection makes you feel like you're working with a friend. I trust John 100% and cannot recommend him enough.


John's expertise, impeccable attention to detail, and rapid responsiveness, made it possible for us to buy our dream home. John consistently provided clear and thorough information, which helped keep the process straightforward and stress free. John was even willing to work with us before we arrived to the region to help expedite the process so that our loan would be ready for the moment we found the house we wanted. John was patient with all of our questions and was not only highly professional and skilled, but truly kind and a pleasure to work with.

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Curtis and Debora

I just want to say that John Martin from applied mortgage was very knowledgeable. We coukd have never have done this without his help.
We also have learn so many things



In my efforts to move from Austin to Northampton there were lots of complications given the distance; I always knew that John Martin was only a call away. He was prompt in returning my calls, always able to answer my questions and both patient and skilled in navigating me through the entire mortgage process. I also knew John was not merely processing paper but serving as my advocate.



John was always reachable , Quick to respond , and very informative . Will continue doing work with Applied mortgage because of him .



John K. Martin is a Class guy. Thanks



John Martin was fantastic to work with. He was kind, approachable, patient and knowledgeable.



John shepherded me throughout the process of obtaining a loan. I contacted him when I began to explore the prospect of buying a home on a very, modest salary. John was willing to sit down with me to crunch numbers several times over the course of those few years. When I finally found a suitable place to purchase, he was responsive and enthusiastic about helping at every turn. It was a long and arduous process, but working with John was wonderful and easy.



John was absolutely great throughout the process and if/when I go for another place, will definitely want him involved again



John, you were able to take two people who knew absolutely nothing about what it takes to buy a house and make the entire transaction seamless. Being first time homebuyers, we came into this process anxious and uninformed about what it would truly entail. From our very first meeting, you were able to calm those nerves for us and explain everything in understandable terms without talking down on us, which is not something that many people can do. We thank you for all of your help, guidance, and patience with us through this process and we are so happy to have worked with you!



Service was excellent , John Martin is the ultimate professional.



Very happy and satisfied thank you.



My representative was very knowledgeable, efficient and made this process very simple for me!



John Martin was excellent. He helped me through every step of the way.



I will recommend Applied Mortgage and John Martin to everyone. I have done business with many banks and lenders. This was the best experience I ever had. Thank you, John and Applied.

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John was absolutely great throughout the process and if/when I go for another place, will definitely want him involved again - William
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