Home Loan Options in New Hampshire
New Hampshire, the first colony to declare independence from Great Britain in 1776, is known for its lush New England forests and quaint small towns. That, combined with the fact that it has no sales tax and almost no state income tax, make it an incredibly attractive place to buy a home in 2018.
Fortunately for you, and our local group of home financing experts is here to help educate you about every part of the New Hampshire home purchasing process. Knowledge is power -- so the more you know about home loan options in The Granite State, the easier it will be for you to buy a home here with confidence. In New Hampshire, the median home listing price is currently sitting at $279,900, which is around $20,000 more than the national median listing price of $261,500.
While the average price of a home in New Hampshire isn't particularly expensive, that doesn't mean that all areas are affordable. For example, in Hanover, the median price of homes listed is $649,000, nearly two and half times the statewide median, and in Portsmouth, the median listing price is also a hefty $585,000.
Despite that, there are deals to be found in New Hampshire. In Canaan, the median home listing price is $192,250, around $80,000 less than the statewide median. And, in Concord, the state's capital, the median listing price is $224,900, more than $50,000 less than the state median.
At home.loans, we're excited to help empower you to buy the home of your dreams. Whether you're a first time home buyer looking to understand the mortgage process, someone looking to take advantage of a VA, FHA, or USDA loan, we can't wait to help guide you through each and every part of the home purchase process.
Best New Hampshire Mortgage Lender: Bank of America
A veritable banking giant, Bank of America is typically one of the first places any home buyer would discuss financing a home purchase. Even so, it is incredibly rewarding when such a large company can still focus on the wants and needs of each individual client, and get them the perfect mortgage loan.
Bank of America would not be where it is today if it was lacking in such things as customer care or knowledgeable loan officers. Interestingly, Bank of America is able to combine its impressive clout in the finance industry with personalized consultation, round-the-clock service, and vast resources of both funding and information.
The result? A mortgage transaction that is as painless as one can be, and a mortgage loan that is just the right fit.
Best New Hampshire Mortgage Refinance Lender: CrossCountry Mortgage
CrossCountry Mortgage is one of the largest and fastest growing lenders in the United States. Since it was founded in 2003, CrossCountry Mortgage has done its best to meet the rapidly changing needs of the consumer. While it started as simply a small mortgage brokerage, today, CrossCountry Mortgage offers a wide variety of loans, including FHA loans and VA home loans while also being a powerhouse for refinancing, home equity loans, and more.
While the company does have a robust online presence, with applications that can easily be filled out online, it also boasts a strong workforce of mortgage brokers. Its website even has an easy search function that allows potential borrowers to search for a mortgage broker by name or by branch location.
Best New Hampshire FHA Mortgage Lender: Embrace Home Loans, Inc
The team over at Embrace Home Loans really knows how to take the fear out of the mortgage process. They take great pride in their singular focus of providing high-quality and affordable home loans to the home buyers that give them their trust.
Embrace Home Loans is home to loan officers who never withhold options from their clients. Every single step and every single action gets explained in full, and if there are any questions, you can bet they will be answered before anyone signs anything into action.
Dozens upon dozens of past clients have attested to the fact that the loan officers of Embrace home loans truly care about securing a home loan with terms and rates that are satisfactory to the borrower. And they manage to do this without incurring any stress or hold-ups during the mortgage transaction.
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Best New Hampshire VA Mortgage Lender: CrossCountry Mortgage
CrossCountry Mortgage is one of the largest and fastest growing lenders in the United States. Since it was founded in 2003, CrossCountry Mortgage has done its best to meet the rapidly changing needs of the consumer. While it started as simply a small mortgage brokerage, today, CrossCountry Mortgage offers a wide variety of loans, including VA home loans, refinancing, home equity loans, and more.
While the company does have a robust online presence, with applications that can easily be filled out online, it also boasts a strong workforce of mortgage brokers. Its website even has an easy search function that allows potential borrowers to search for a mortgage broker by name or by branch location.
Best New Hampshire Home Equity Lender: TD Bank
As one of America’s 10 largest banks, TD Bank has been in business for around 150 years. High quality service and expert loan officers may have something to do with their position, but for the most part, it comes from the impressively high degree of customer satisfaction they are able to leave their borrowers with after each transaction comes to a close.
TD Bank has a long history in banking, and a pretty outstanding reputation in home finance. Home Equity loans are only a portion of the products offered by TD Bank, yet they still are among the most popular loan products offered.
TD Bank originates both home equity loans and home equity lines of credit, with fairly competitive rates. They are known to offer home equity options with LTVs up to 90%, depending on where the borrower resides.
Working with the loan officers at TD Bank is always straightforward and stress-free. They even allow applications to be completed and filled out online.
Shop Around Before You Get a New Hampshire Home Loan
Our picks for the best mortgage lenders in New Hampshire may not necessarily represent the best lender for your financial situation, goals, and desires. Everyone’s story is unique, and sometimes the best mortgage terms can be found in the most obscure places. Regardless of experience or lack thereof, the best plan of action is to shop around with multiple lenders to find out which one can provide the ideal mortgage solution that comes with the terms and affordability that best suits any particular financial situation.
While looking at reviews can be a huge help, getting a one on one consultation could mean saving thousands. If you’d like some help in locating the best mortgage lender in your area, don't hesitate to contact a home.loans mortgage expert!