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0 Down Home Loan Programs

0 Down Home Loans - No Money Down, Zero Down Loans in NH

If you are a First Time Home Buyer or want to buy a home with little or no money down, here are a few mortgage programs available to choose from in New Hampshire. Rural Development Loan (RD Loan) program from The US Department of Agriculture The USDA offers a program called the RD or Rural […]

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Buying Investment Property

Investment property mortgages in NH

With a strong rental market and historically low mortgage rates, the opportunities for purchasing rental properties in the current market are unprecedented. You can purchase an investment property for one of two reasons. The first is to repair and then resell the property. The second is to rent out the property for the income stream – […]

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Buy a Fixer-Upper with a 203k Loan

Home improvement loans - renovation loans in NH

If you’ve been thinking of purchasing or refinancing a home that is in need of repairs, the Federal Housing Administration (FHA) 203(k) rehab loan might be for you.  There are two types of 203(k) mortgages: streamlined and standard. The streamlined version is for smaller projects and is a less-involved process. Whether it’s for a Purchase or […]

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5 Ways to Spot a Great Value

NH Home Mortgages

For those seeking maximum value at a minimum price, keep these essentials in mind.

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4 Ways to Instantly Increase the Value (and Price) of Your Home in NH

Qualifying for larger mortgages in NH

Want to instantly add value to your home AND get at or above your asking price? Just follow these 4 simple tips.

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Thinking About Refinancing?

Refinancing Mortgages in NH

Thinking about Refinancing? Just 5 Minutes Could Save you a Bundle!   One of the best reasons to refinance your mortgage is to obtain a lower interest rate and a lower monthly payment.  By refinancing, you will payoff off your existing mortgage and replace it with a new one. This can often be accomplished with […]

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Conventional Loans vs. FHA Loans

FHA Loans and FHA Mortgages in NH

If you’re looking to buy your first home, there are a number of things you need to know about a down payment and mortgage insurance. First, you’ll likely have to obtain a conventional or a Government loan like the Federal Housing Administration (FHA) mortgage, or a $0 down RD loan through the USDA. Let’s compare a Conventional loan […]

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When to Buy a Home in NH

When to buy a home in NH

5 Reasons to Buy a Home Right Now!   Buying right is the first step to profit and success but some potential buyers have been afraid to act.  If you have been sitting on the sideline waiting for the next buying opportunity, here are 5 reasons why now might be the time to take the […]

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The 3 Things You Need to Know About Home Mortgage Insurance

Mortgage application from Charley Farley Home Loans

When buying a home it’s important to understand the basics of mortgage insurance. What is it? How does it work? What does it mean to you as a home buyer or homeowner? Below are 3 things you need to know. Mortgage insurance is taken out by the lender to provide protection against you defaulting on […]

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What to Expect in a Short Sale or Foreclosure

NH Foreclosure & Short Sale Mortgages

Short sales and foreclosures are facts of life in the real estate market these days. There is a good chance, then, that agents and clients will encounter them when they go to purchase a home or investment property. Short Sale Short sale means that the lender on that property wants to sell it and is going […]

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Buying a Home? The 3 MUSTs of Getting a Home Inspection!

Why NH Homebuyers Should Get Inspections

While home buyers typically think of home inspections as being required solely for the purchase of homes that are in a state of needing repair, the truth is that they benefit all types of buyers. If there is a problem with the property that the seller either is attempting to hide or is truly unaware […]

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How Mortgage Rates are Set

How Mortgage Rates are Set in NH

In the big picture of lending, loans given to consumers fall into short-term loans and long-term loans.   Short-term loans are generally considered consumer loans that have terms of 5 years or less. They would include revolving credit cards, installment automobile loans and home equity lines of credit. The rates on these loans are based on what is […]

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How to Fix Bad Credit for a Mortgage in NH

How to fix bad credit for a mortgage in NH

Poor Credit Results in Higher Interest and Lower Loan Amounts Your credit history helps mortgage lenders decide how much credit you are eligible for and at what interest rate. The better your credit history, the more likely you are to qualify for the best mortgage programs. If you have poor or bad credit and are […]

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A Guide to Lower Interest Rates in New Hampshire

Mortgage Interest Rates in NH

You can SAVE BIG if you understand a few basic economic principles and how they relate to you. If you understand what makes our nation’s economy tick, you can save thousands of dollars on everything from your mortgage to your credit cards. For example, take a $200,000 mortgage: the difference in monthly payments between a 30-year mortgage […]

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When to Refinance Mortgage

Here are reasons to refinance your mortgage. Lower your monthly payment with a lower interest rate: One of the main reasons homeowners refinance is to lower their monthly payment. Lowering your interest rate by 1% on a $200,000 mortgage can save you $165 per month and more than $55,000 in interest over the life of […]

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How to Get Rid of Private Mortgage Insurance (PMI)

How to get rid of PMI - private mortgage insurance in NH

What is PMI? Many New Hampshire home buyers make down payments of less than 20 percent and have to pay private mortgage insurance (PMI). PMI is a type of insurance policy that reimburses your lender if you default on your mortgage. Private mortgage insurance charges vary depending on the size of the down payment and […]

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Loan Types

Types of Home Loans in NH

Do you have special or unique financial circumstances? If so, the articles below may help you identify the best type of home loan in NH. If you can’t find what you’re looking for, give me a call. I’ve helped thousands of home buyer’s right here in New Hampshire and I can probably help you, too. […]

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Mortgage & Refinancing Options After a Divorce

When to buy a home in NH

The division of real property – the marital homestead in particular – is one of the most important decisions during a divorce. Unlike other decisions like child support and alimony, property division in a divorce is final. Even so, there are mortgage refinancing and debt consolidation options that can benefit all parties involved in divorce. […]

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Getting a Loan When You’re Self-Employed

Mortgages for self-employed. Qualifying for NH home loans.

Being self-employed brings its own challenges when you’re applying for a mortgage. Mortgage lenders underwrite their loans based on standard guidelines that have been established by Fannie Mae, the FHA, or the VA. Self-employed borrowers are often considered riskier than other types of mortgage loan applicants. Consequently, they frequently receive closer scrutiny than do salaried […]

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Decoded: What All the Mortgage Jargon Really Means!

Mortgage Jargon & Terms Explained

Here are some terms commonly used in the mortgage industry: ARM, or Adjustable Rate Mortgage:  This is a mortgage loan that has a fixed rate for a specific period of time, say 1, 3, or 5 years, after which the rate becomes dependent on some index, such as a treasury bill rate. Buy Down:  A […]

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  • Credit (3)
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  • Featured (8)
  • First Time Homebuyers (13)
  • Glossary (3)
  • Mortgage Rates (6)
  • Purchasing (30)
  • Refinancing (8)
  • Self Employed (2)
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Recent Posts

  • Towns that Qualify for USDA Rural Development Loans in NH

  • Divorce Mortgage Refinance

  • New Hampshire VA Loans

  • Buy a Fixer-Upper with a 203k Loan

  • A Guide to Lower Interest Rates in New Hampshire

  • When to Refinance Mortgage

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Charley Farley Home Loans

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Bedford, NH 03110-5416


 

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