Loan Types

The programs we offer, with straight answers for buyers in Southern New Hampshire.

First-Time Home Buyer Loans & NH Down Payment Assistance

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.

Conventional Loans

The workhorse loan for first-time buyers, move-up buyers, second homes, and investors across Southern New Hampshire — with as little as 3% down.

FHA Loans

Lower credit, lower down payment, and more forgiving qualifying for buyers across Southern New Hampshire.

VA Loans

One of the best loan programs available — 100% financing for veterans and service members across Southern New Hampshire.

USDA Loans

Zero-down financing for eligible rural and suburban properties around Southern New Hampshire.

Self-Employed & Bank Statement Loans

Qualify on your bank statements instead of your tax returns — for business owners and 1099 earners across Southern New Hampshire.

Investor & DSCR Loans

Finance rental property based on the property's income — not your personal tax returns — across Southern New Hampshire.

Physician & Professional Loans

100% financing for doctors, nurses, vets, and other medical professionals relocating to Southern New Hampshire.

Non-Warrantable Condo Loans

Financing for condos and properties that conventional and FHA lenders won't touch — across Southern New Hampshire.

Refinance & Home Equity

Lower your rate, tap your equity, shorten your term, or remove PMI — with a clear break-even analysis, across Southern New Hampshire.