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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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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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Getting to Know Fannie and Freddie

Getting to Know Fannie and Freddie

In a nutshell, Fannie Mae and Freddie Mac are intermediaries. They buy loans from lenders and then turn around and sell them to investors. Most mortgages, regardless of the type, are originated with the expectation that they will be sold after they close. Loans that are kept in-house are called portfolio loans. These loans are […]

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Mortgage Debt Elimination Schemes

Mortgage Debt Elimination Schemes

Do you hate paying your mortgage? Maybe not but let’s face it: given the choice, you’d rather not pay one. If you could find an easy way to get rid of your mortgage and your other debt, you’d do it. Right?  That is why “Mortgage Elimination” and “Debt Elimination” scams work: because the scammers are telling you something […]

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Recent Posts

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  • Getting a Construction Loan to Build or Renovate Your Own Home in NH

  • Mortgage Rates are Rising. Is It Too Late to Refinance?  

  • Towns that Qualify for USDA Rural Development Loans in NH

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