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.
Kathleen Connerty
A broker with access to 90+ lenders and a reputation that gets offers picked over the competition. Kathleen is a 2025–26 New Hampshire Housing Finance Authority Fellow, a past Rotary president, and a longtime community leader in southern New Hampshire. She specializes in helping first-time buyers — and anyone who's been told no — find the path to home ownership.
What we offer
We work with a wide range of loan programs so we 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.
Lower your rate, tap your equity, shorten your term, or remove PMI — with a clear break-even analysis, across Southern New Hampshire.
Hyperlocal
These towns are my backyard
I'm licensed across six states and lend throughout southern New Hampshire and beyond — but these are the communities I know street by street and tax rate by tax rate. Don't see yours? Odds are it's still on my map.
Photos: Bedford Town Hall by Magicpiano, CC BY-SA 4.0; Merrimack, NH by rickpilot_2000, CC BY-SA 2.0. Other town photos are public domain.
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.