Home Loans in New Hampshire
The Granite State offers tax-free living with New England charm. NorthStar Funding serves NH buyers statewide. All credit scores welcome — even no score.
New Hampshire Housing Market
About the New Hampshire Real Estate Market
New Hampshire offers no state income tax, making it attractive for Boston-area workers seeking affordable housing. Southern NH provides easy commutes to Boston, while the seacoast and Lakes Region offer vacation and retirement living. The state's strong job market and quality of life drive housing demand.
Loan Programs Available in New Hampshire
We offer a variety of mortgage options to fit your unique situation. All programs welcome borrowers with less-than-perfect credit.
NHHFA Programs
New Hampshire Housing Finance Authority programs with down payment assistance.
FHA Loans
Government-backed loans popular in NH with flexible credit requirements.
VA Loans
Zero down payment for New Hampshire veterans.
Non-QM / Bank Statement
Perfect for NH entrepreneurs and Boston commuters with variable income.
Check Your Eligibility
See if you qualify for special loan programs with lower down payments and flexible income requirements.
Income Eligibility Checker
HomeReady® & Home Possible® - 3% Down Payment Programs
HomeReady®by Fannie MaeIncome must be ≤80% of Area Median Income (AMI). No geographic restrictions.
Home Possible®by Freddie MacIncome must be ≤80% AMI. Some census tracts have no income limit.
Quick Comparison:
| Feature | HomeReady® | Home Possible® |
|---|---|---|
| Min. Down Payment | 3% | 3% |
| Min. Credit Score | 620 | 620 |
| Income Limit | ≤80% AMI | ≤80% AMI* |
| Homebuyer Education | Required | Required |
*No income limit in designated underserved areas
Why Choose NorthStar Funding in New Hampshire?
Cities We Serve in New Hampshire
What New Hampshire Homeowners Say
"NorthStar helped us buy in Nashua with easy access to Boston. No state income tax is a huge bonus!"
The Thompson Family
"Found our dream home in Portsmouth with NorthStar. Beautiful seacoast community!"
David & Sarah M.
"NHHFA assistance made homeownership possible in Manchester. NorthStar guided us through everything."
The Garcia Family
Frequently Asked Questions
What credit score do I need to buy a home in New Hampshire?
NorthStar Funding welcomes all credit scores in New Hampshire, starting as low as 500 with FHA loans (10% down). For scores 580+, you may qualify for just 3.5% down.
What are the best mortgage programs available in New Hampshire?
In New Hampshire, we offer FHA loans, VA loans, USDA loans for eligible rural areas, conventional loans, and bank statement loans. NHHFA programs provide down payment assistance.
How much is the average home price in New Hampshire?
The median home price in New Hampshire is approximately $425K. Southern NH near the Massachusetts border tends to be higher, while the North Country offers more affordable options.
Are there first-time homebuyer programs in New Hampshire?
Yes! NHHFA (New Hampshire Housing Finance Authority) offers the Home Flex Plus program with down payment assistance up to 4% of the loan amount.
What are property taxes like in New Hampshire?
New Hampshire has relatively high property taxes at approximately 1.9% of assessed value. However, the state has no income tax and no sales tax, which offsets the higher property tax burden.
Can I get a mortgage in New Hampshire with no down payment?
Yes! VA loans offer 0% down for veterans. USDA loans offer 0% down in many New Hampshire areas — much of the state outside the southern tier qualifies for USDA eligibility.
How long does it take to close on a home in New Hampshire?
The typical closing timeline in New Hampshire is 30-45 days. New Hampshire uses attorneys for closings, which provides additional legal protection for buyers.
Does NorthStar Funding offer manual underwriting in New Hampshire?
Yes! We specialize in manual underwriting for New Hampshire borrowers with non-traditional income or credit situations.
What documents do I need to apply for a mortgage in New Hampshire?
Typical documents include 2 years of tax returns, recent pay stubs, bank statements, W-2s or 1099s, and ID. Self-employed borrowers can use bank statement programs.
Can self-employed borrowers get a mortgage in New Hampshire?
Absolutely! Our bank statement programs work well for New Hampshire entrepreneurs and remote workers who have relocated from Boston for the tax advantages.
NorthStar Funding Licensing Information
NMLS #: 123456
Licensed in: Multi-State
Years in Business: 15+
Total Loans Originated: $2B+
Ready to Get Started?
See your options in minutes with no impact to your credit score. Our team is ready to help you find the right loan for your New Hampshire home.