Behind every home there is a story and we understand no two stories are the same. We provide personalized service to ensure you get the attention you need throughout the process. We invite you to experience the difference we can make as a community bank.
Fixed Rate Mortgages
If you want the stability of a fixed rate mortgage, we offer a variety of programs including short or long terms, low down payment requirements and may other options to make home buying more affordable.
Adjustable Rate Mortgages
Our adjustable rate mortgages are available for home purchase, construction loans, refinancing or taking some equity out of your home. Also, there are programs available for multi-family investment properties. An adjustable rate loan will allow you interest rate flexibility, starting out with a lower interest rate at the beginning of your loan term.
First Time Homebuyers
New Hampshire Housing Loans can make it easier to buy a home. You can put as little as 3% down and have a 30 year fixed rate mortgage with an interest rate comparable to regular conventional mortgages. This program is available to borrowers who have not owned a home in the past 3 years or are buying in a targeted area.
Are you ready to buy your first home? Let us help you start the process! Both New Hampshire Housing Finance Authority (NHHFA) and Mortgage Guarantee Insurance Company (MGIC) offer Homebuyer Education which is required for NHHFA financing. Complete either course and receive your certification. Get started today!
Our construction loans offer flexible terms and interest rates with the benefit of a one-time closing. We allow twelve months to complete the construction and inspection. You also have the option of being your own general contractor. Payments will be interest only during the construction phase, or 12 months, whichever is sooner. Once the construction is complete, you will begin making regular principal and interest payments. If you are looking to purchase land to build a home we also offer land purchase construction loans.
Purchasing land can be the first step to building your dream home. Our land loans require 25% down and allow you to spread your remaining payment out over ten years.
Questions? Contact us at (603) 332-2610 x293