3% down and 3.5% down: different loans, different total costs
Separate low-down-payment conventional options, FHA, mortgage insurance and cash needed at closing.
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Purchase: prepare the whole budget
Mortgage credit questions for buyers in Massachusetts and New Hampshire
Why a single score does not answer the approval question, and how to ask about program rules and lender requirements.
New Hampshire mortgage credit review: product rules and lender overlays
Prepare for credit review without relying on universal score thresholds or a promised best rate.
New Hampshire closing costs: build an itemized cash-to-close plan
Understand lender charges, settlement services, prepaid items and the difference between fees and total cash required.
State resources: Massachusetts and New Hampshire
MassHousing and ONE Mortgage: understand down payment assistance
Separate second mortgages from grants, check current program terms and prepare the right eligibility questions.
New Hampshire down payment assistance: check repayment before you apply
Understand NH Housing assistance, the second mortgage and the questions to ask before a purchase or refinance.
New Hampshire Housing programs: a buyer preparation checklist
How to check the applicable program, income limits, property rules and required cash without relying on an outdated eligibility table.
Refinance: compare equal time periods
Start with the existing balance, remaining term, new costs and the time you expect to keep the loan. A lower payment alone does not establish savings. Our purchase calculator is not a refinance calculator.
Mortgage proposal comparison checklistRefinance guide in PortugueseCFPB Loan Estimate explainer