What to Consider When
Choosing the Best Mortgage Lenders in New Hampshire

Finding the best mortgage lenders doesn’t have to be overwhelming. When you compare mortgage companies in NH, you’re not just shopping for a rate, you’re choosing a partner you can trust.

Here are some considerations to help make your decision easier:

  • Will you be charged a lender fee?
  • Do the lender and their company have good customer reviews?
  • Are they familiar with the local market?
  • How many brokers do they have connections to?
  • Does the lender respond to your communications in a timely manner?
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Our New Hampshire Loan Officers

Our New Hampshire loan officers combine local insight with years of experience to help you confidently find the right mortgage. Get to know the team that’s here to guide you.

Meet Our Loan Officers

Common Loans
Fixed-Rate Mortgages
With a fixed-rate mortgage, your interest rate stays the same for the life of the loan. That means your monthly payments are predictable, unlike adjustable-rate loans that can change over time.
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Refinancing
Refinancing lets you replace your current mortgage with a new one, often to lower monthly payments or save money over the long term. The new loan pays off your existing mortgage.
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First-Time Home Buyer Loans
Buying your first home can feel overwhelming. We guide you through a transparent, step-by-step process to make it easier and more predictable.
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Conventional Mortgages in NH
These are the most common loans in the private market. They aren’t government-backed but follow the guidelines set by Fannie Mae and Freddie Mac.
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Non-Conventional Loans
Designed for borrowers who might not qualify for conventional loans, such as self-employed buyers or those with past bankruptcies or inconsistent employment histories.
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Adjustable-Rate Mortgages (ARMs)
ARMs start with a lower interest rate that can change over time. This can mean lower initial monthly payments, though your rate may 
adjust later.
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Why Blue Water Mortgage?
No Surprises
No Surprises
With over 150 years of collective experience, our mortgage brokers have seen it all. This level of expertise enables us to anticipate and quickly resolve any issues that might arise and close on time, every time.
Personalized Services
Personalized Services
Buying a home is one of the biggest purchases you’ll make in your entire life. That’s why our brokers are available via phone 24/7 to address any concerns or answer any questions you might have about the mortgage process.
Competitive Rates
Competitive Rates
Blue Water is locally owned, so we aren’t beholden to banks. That means we’re able to offer a more diverse portfolio of mortgage products tailored to your specific needs, as well as more competitive rates and lower closing costs.
Trusted Mortgage Experts
in New Hampshire
Blue Water Mortgage has over 150 years of combined experience helping home buyers across New Hampshire. Our knowledgeable team is here to make the process easier and help you secure the best mortgage for your next home.
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Trusted Mortgage Experts
in New Hampshire

Frequently Asked Questions

Are the mortgage requirements different for an investment property, or a property I might not be personally living in?

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The short answer is yes. If you’re purchasing a property that won’t be your primary residence (with between one and four units), you fall into what’s called a non-owner occupied mortgage. Requirements for this type of loan are more stringent because they’re considered to have a higher risk of default by lenders.

Are the requirements different for a jumbo loan?

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Yes. The requirements for a jumbo loan are stricter because more money is involved, which means it’s riskier for the lender. You will need an excellent credit score and a low debt-to-income ratio. You will also need to be able to prove you can cover your payments.

Are there any advantages to buying a short sale home?

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If you’re a buyer looking for a bargain, a short sale is an option worth considering since sellers typically want to get rid of the property and are more apt to make a deal. Just keep in mind that this may be a lengthy process, and there’s always the chance that the property can still go into foreclosure during that time.

Are there any loans that don’t require a down payment?

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USDA and VA loans do not require a down payment.