Think you can't buy a home? Let me show you it's possible.
First-time buyer, self-employed, or told "no" before? As a broker I compare more than 90 lenders to find the program that actually fits your situation — and walk you through every number before you commit to anything.
Choose your path
Not sure where to start? Pick the situation that fits best.
New Hampshire Housing offers up to $15,000 toward your down payment and closing costs — plus a separate $10,000 benefit for first-generation buyers and a tax credit worth up to $2,000 a year — and a lender who actually explains how to use them, serving Southern New Hampshire.
The workhorse loan for first-time buyers, move-up buyers, second homes, and investors across Southern New Hampshire — with as little as 3% down.
Lower credit, lower down payment, and more forgiving qualifying for buyers across Southern New Hampshire.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How I work
Most loan officers are afraid to be transparent up front because they think it'll cost them the deal. I can't operate any other way. On our first call I lay out your down payment, your closing costs, your real monthly payment, and your escrows — clearly and simply — so you know exactly what you're getting into before you commit to anything.
I don't sell rate. I'm an advisor and an educator. As a broker I compare more than 90 lenders to find the right program for your situation — including first-time buyer grants, down payment assistance, self-employed, and investor loans that most banks can't touch. And once you close, I'm your lender for life: refinances, your next home, an investment property — I'm here for all of it.
A no-pressure call to understand your goals. No cost, no obligation, and no, there's no such thing as a dumb question.
I work up your pre-approval and walk you through a sample loan estimate on a real property: payment, taxes, escrows, and down payment, all spelled out.
My team drives the paperwork and keeps you and your realtor updated the whole way. If anything goes sideways, we face it head-on and find the solution.
Meet your lender
Kathleen Connerty — the lender, you know
I've been originating mortgages since 1991, including 13 years on jumbo loans for high-net-worth clients before becoming an independent broker. My clients become clients for life because I treat the process like I'm holding your hand through one of the biggest decisions of your life — because I am.
What clients say
★★★★★ 5 average from 18 reviews
Let me just say that Kathleen and her team have an abundance of experience and also competitive rates. That's what matters to most people getting a mortgage. In our case it was trying to get into a house in a short period of time in a very competitive housing market.
Kathleen and her team were top notch. Excellent communication and coordination with all parties of the real estate transaction. Kathleen was knowledgeable and treated me with respect and care. Would definitely use her services again recommend her to everyone I know.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your mortgage concerns.
I recently had the pleasure of working with Kathleen at Pinnacle Mortgage Corp. to secure a mortgage for my first home, and I cannot express how impressed I am with the level of service I received. Kathleen worked with me to find the best mortgage option for my unique financial situation.
Kathleen was amazing to work with. Her and her team were available whenever I needed them, answered my questions and gave me the best information they could. Oh and Kathleen is fun and funny as well as incredibly smart.
Kathleen was absolutely amazing throughout the entire mortgage process. She and her team work exceptionally fast and provide amazing customer service and support.
As a first-time home buyer, I had a fantastic experience working with Kathleen. She took the time to explain every detail, ensuring we understood the entire process. From start to finish, everything went smoothly.
Exceptional service! Kathleen truly exceeded our expectations during our pre-approval consultation. She was incredibly knowledgeable, patient, and attentive throughout the entire process.
Kathleen Connerty has been exceptional in helping us through financing and purchasing our new home. Her attention to detail and quick follow up is exemplary. She is personable and kind and took the time to ensure I was on top of things.
Kathleen was there all along the way to our home purchase and still keeps in touch to learn how our experience is going. She goes above and beyond and finds out resources and answers. She's trustworthy, patient, and easy to talk to.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your Mortgage concerns.
Kathleen was so welcoming and listened to all our concerns and questions we had! The experience was top notch! She went out of her way to check in and be available for calls and texts at any point and time :) highly recommended!
Let me just say that Kathleen and her team have an abundance of experience and also competitive rates. That's what matters to most people getting a mortgage. In our case it was trying to get into a house in a short period of time in a very competitive housing market.
Kathleen and her team were top notch. Excellent communication and coordination with all parties of the real estate transaction. Kathleen was knowledgeable and treated me with respect and care. Would definitely use her services again recommend her to everyone I know.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your mortgage concerns.
I recently had the pleasure of working with Kathleen at Pinnacle Mortgage Corp. to secure a mortgage for my first home, and I cannot express how impressed I am with the level of service I received. Kathleen worked with me to find the best mortgage option for my unique financial situation.
Kathleen was amazing to work with. Her and her team were available whenever I needed them, answered my questions and gave me the best information they could. Oh and Kathleen is fun and funny as well as incredibly smart.
Kathleen was absolutely amazing throughout the entire mortgage process. She and her team work exceptionally fast and provide amazing customer service and support.
As a first-time home buyer, I had a fantastic experience working with Kathleen. She took the time to explain every detail, ensuring we understood the entire process. From start to finish, everything went smoothly.
Exceptional service! Kathleen truly exceeded our expectations during our pre-approval consultation. She was incredibly knowledgeable, patient, and attentive throughout the entire process.
Kathleen Connerty has been exceptional in helping us through financing and purchasing our new home. Her attention to detail and quick follow up is exemplary. She is personable and kind and took the time to ensure I was on top of things.
Kathleen was there all along the way to our home purchase and still keeps in touch to learn how our experience is going. She goes above and beyond and finds out resources and answers. She's trustworthy, patient, and easy to talk to.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your Mortgage concerns.
Kathleen was so welcoming and listened to all our concerns and questions we had! The experience was top notch! She went out of her way to check in and be available for calls and texts at any point and time :) highly recommended!
Let me just say that Kathleen and her team have an abundance of experience and also competitive rates. That's what matters to most people getting a mortgage. In our case it was trying to get into a house in a short period of time in a very competitive housing market.
Kathleen and her team were top notch. Excellent communication and coordination with all parties of the real estate transaction. Kathleen was knowledgeable and treated me with respect and care. Would definitely use her services again recommend her to everyone I know.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your mortgage concerns.
I recently had the pleasure of working with Kathleen at Pinnacle Mortgage Corp. to secure a mortgage for my first home, and I cannot express how impressed I am with the level of service I received. Kathleen worked with me to find the best mortgage option for my unique financial situation.
Kathleen was amazing to work with. Her and her team were available whenever I needed them, answered my questions and gave me the best information they could. Oh and Kathleen is fun and funny as well as incredibly smart.
Kathleen was absolutely amazing throughout the entire mortgage process. She and her team work exceptionally fast and provide amazing customer service and support.
As a first-time home buyer, I had a fantastic experience working with Kathleen. She took the time to explain every detail, ensuring we understood the entire process. From start to finish, everything went smoothly.
Exceptional service! Kathleen truly exceeded our expectations during our pre-approval consultation. She was incredibly knowledgeable, patient, and attentive throughout the entire process.
Kathleen Connerty has been exceptional in helping us through financing and purchasing our new home. Her attention to detail and quick follow up is exemplary. She is personable and kind and took the time to ensure I was on top of things.
Kathleen was there all along the way to our home purchase and still keeps in touch to learn how our experience is going. She goes above and beyond and finds out resources and answers. She's trustworthy, patient, and easy to talk to.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your Mortgage concerns.
Kathleen was so welcoming and listened to all our concerns and questions we had! The experience was top notch! She went out of her way to check in and be available for calls and texts at any point and time :) highly recommended!
Let me just say that Kathleen and her team have an abundance of experience and also competitive rates. That's what matters to most people getting a mortgage. In our case it was trying to get into a house in a short period of time in a very competitive housing market.
Kathleen and her team were top notch. Excellent communication and coordination with all parties of the real estate transaction. Kathleen was knowledgeable and treated me with respect and care. Would definitely use her services again recommend her to everyone I know.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your mortgage concerns.
I recently had the pleasure of working with Kathleen at Pinnacle Mortgage Corp. to secure a mortgage for my first home, and I cannot express how impressed I am with the level of service I received. Kathleen worked with me to find the best mortgage option for my unique financial situation.
Kathleen was amazing to work with. Her and her team were available whenever I needed them, answered my questions and gave me the best information they could. Oh and Kathleen is fun and funny as well as incredibly smart.
Kathleen was absolutely amazing throughout the entire mortgage process. She and her team work exceptionally fast and provide amazing customer service and support.
As a first-time home buyer, I had a fantastic experience working with Kathleen. She took the time to explain every detail, ensuring we understood the entire process. From start to finish, everything went smoothly.
Exceptional service! Kathleen truly exceeded our expectations during our pre-approval consultation. She was incredibly knowledgeable, patient, and attentive throughout the entire process.
Kathleen Connerty has been exceptional in helping us through financing and purchasing our new home. Her attention to detail and quick follow up is exemplary. She is personable and kind and took the time to ensure I was on top of things.
Kathleen was there all along the way to our home purchase and still keeps in touch to learn how our experience is going. She goes above and beyond and finds out resources and answers. She's trustworthy, patient, and easy to talk to.
Kathleen Connerty has gone out of her way to assist in ways that were not expected or required in order to help me with questions or concerns that I have had. Incredibly helpful, respectful and resourceful. I would highly recommend her to assist you with your Mortgage concerns.
Kathleen was so welcoming and listened to all our concerns and questions we had! The experience was top notch! She went out of her way to check in and be available for calls and texts at any point and time :) highly recommended!
What I offer
I work with a wide range of loan programs so I can match the right product to your situation.
New Hampshire Housing offers up to $15,000 toward your down payment and closing costs — plus a separate $10,000 benefit for first-generation buyers and a tax credit worth up to $2,000 a year — and a lender who actually explains how to use them, serving Southern New Hampshire.
The workhorse loan for first-time buyers, move-up buyers, second homes, and investors across Southern New Hampshire — with as little as 3% down.
Lower credit, lower down payment, and more forgiving qualifying for buyers across Southern New Hampshire.
One of the best loan programs available — 100% financing for veterans and service members across Southern New Hampshire.
Zero-down financing for eligible rural and suburban properties around Southern New Hampshire.
Qualify on your bank statements instead of your tax returns — for business owners and 1099 earners across Southern New Hampshire.
Finance rental property based on the property's income — not your personal tax returns — across Southern New Hampshire.
100% financing for doctors, nurses, vets, and other medical professionals relocating to Southern New Hampshire.
Financing for condos and properties that conventional and FHA lenders won't touch — across Southern New Hampshire.
Lower your rate, tap your equity, shorten your term, or remove PMI — with a clear break-even analysis, across Southern New Hampshire.
Financing for higher-priced homes above the conforming limit — my specialty, with 13 years structuring jumbo loans for high-net-worth buyers across Southern New Hampshire.
Buy a home and fund the renovations in one mortgage — FHA 203(k) and conventional HomeStyle options for buyers across Southern New Hampshire.
Build your home with a single-closing, one-time-close loan that covers the lot, the construction, and your permanent mortgage — across Southern New Hampshire.
Ease into your payment with a lower rate for the first two years — often paid by the seller or builder — for buyers across Southern New Hampshire.
Where I lend
Based in Nashua. Licensed in New Hampshire, Massachusetts, Maine, Connecticut, South Carolina & Florida.
Southern New Hampshire is home — the market I know street by street and tax rate by tax rate. But you don't have to be down the road to work with me: I can originate your mortgage anywhere in all 6 states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to my office. Wherever you're buying in NH, MA, ME, CT, SC & FL, I can help.
See everywhere I serveLatest from the blog
Straight answers on buying, refinancing and investing.
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Same Debt, Triple the Damage to Your Mortgage Approval A car loan and a student loan of the same size can affect your mortgage approval very differently. Here is why the payment matters more than the balance. -
Do You Have to Refinance After a Divorce? A quitclaim deed transfers the house but leaves both names on the loan. Here is why skipping the refinance after a divorce can quietly become an expensive mistake, and what actually removes your ex from the mortgage. -
The $76,000 Gift Rule Most Parents Never Use Waiting to buy can cost your adult child around $150,000 in lost equity. Here is how parents can gift a down payment in 2026 without a tax bill or a stalled loan. -
The 2026 Condo Rule Changes Buyers Should Know New 2026 Fannie Mae and Freddie Mac rules changed how condos get financed by reviewing the building itself. Here is what buyers and sellers need to check first. -
How to Use Home Equity to Pay Off Credit Card Debt Homeowners sitting on equity can use it to consolidate high-interest credit card debt into a single, lower-rate payment. Here are three ways to do it and the risks to understand first.
Tools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.