Which loan program fits your plans?
Answer a few quick questions to see which New Hampshire mortgage programs are worth reading about. Tom can confirm what you qualify for.
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Choose what you're planning to see programs that may fit.
- Conventional loans
- Often a fit for buyers with solid credit, and mortgage insurance can be removed as you build equity. Compare loan programs
- FHA loans
- Flexible credit guidelines, and gift funds can help with upfront costs. Read the FHA guide
- NH Housing programs
- Help with down payment and closing costs for eligible NH buyers. Income and purchase price limits apply. Read the NH Housing guide
- First-time buyer steps
- Budget, programs and the New Hampshire costs to plan for, step by step. Read the first-time buyer guide
- VA loans
- For eligible veterans, service members and some surviving spouses, with no monthly mortgage insurance. Read the VA loan guide
- USDA loans
- For homes in eligible rural and suburban areas, with household income limits. Eligibility depends on the address. Read the USDA guide
- Bank statement loans
- Self-employed borrowers can qualify with bank statements instead of tax returns. Read the bank statement loan guide
- DSCR loans
- Qualify a rental mainly on its rent instead of your personal income. Read the DSCR loan guide
- Live in one unit of a 2 to 4 unit home
- Owner-occupied FHA, conventional and VA loans can finance a building you live in. Read the 2 to 4 unit guide
- Conventional investment property loans
- Tom compares these with DSCR loans for payment, cash to close and reserves. See investor loan options
- FHA streamline refinance
- May lower your payment with less paperwork. It doesn't take cash out. Read the FHA streamline guide
- VA streamline refinance (IRRRL)
- May lower your payment on a current VA loan with less paperwork. Read about VA refinancing
- Rate-and-term refinance
- Replaces your loan with a new rate, term or both. See how long it takes to pay for itself. Try the break-even calculator
- Cash-out refinance
- Replaces your mortgage with a larger loan and pays you the difference. Read the cash-out guide
- Home equity line of credit (HELOC)
- Keeps your current first mortgage and adds a line of credit you draw from over time. Compare a HELOC and cash-out
- Dropping mortgage insurance
- Depending on your loan and your equity, a refinance or a request to your servicer may remove monthly mortgage insurance. Tom can check which applies. Compare refinance types
Education only, not a pre-qualification, loan offer or commitment to lend. Program availability, eligibility and terms vary by lender and are subject to underwriting approval. Tom can confirm which programs you qualify for.
Your answers go with your request. No credit pull to start.
A starting point, not an approval
The matcher points to programs that are often a fit for plans like yours, using only your answers above. It doesn't check credit, income or the property, so it can't say what you qualify for.
As a mortgage broker, Elite Mortgage Group works with 45 lenders, so Tom can compare these programs side by side once he knows more about your plans.
Run more numbers
NH payment calculator
Your full monthly payment with property taxes and insurance.
Estimate my paymentAffordability calculator
A price range that could fit your income, debts and savings.
See my price rangeRefinance break-even
Monthly savings and how long a refinance takes to pay off.
Check my break-evenBuying power by town
How far one monthly budget goes in 57 southern NH towns.
Compare townsNH property tax calculator
Yearly and monthly property tax in any town on this site.
Estimate my taxNH transfer tax calculator
The buyer's and seller's shares of the state transfer tax.
Figure the taxClosing timeline planner
Your key dates from accepted offer to closing, saved to your calendar.
Plan my datesMA vs NH taxes calculator
Income and property taxes before and after a move to NH.
Compare the taxesRent vs buy calculator
What renting and owning could cost over the years you plan to stay.
Compare rent and buyPayoff calculator
How extra payments shorten your loan and cut total interest, year by year.
See my payoff dateFHA-approved condos by town
HUD's approved condo complexes in four southern NH counties.
See the listReviewed October 29, 2026
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