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How to Qualify for a Larger Mortgage in New Hampshire

Qualifying for larger mortgages in NH

You may have an idea of what a “large” mortgage means to you, but in the mortgage world, we have something called “jumbo” mortgages. These are mortgages that are so large, they are greater than the Fannie Mae or Freddie Mac conforming loan size which in 2025 is $806,500 with a $914,250 limit in Rockingham […]

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VA Loan Limits, Eligibility and Entitlement Explained

VA home loan eligibility and limits

  In this article we offer some answers and clarifications to common questions about VA home loans in New Hampshire. VA Loan Limits and Purchase Price Limits – What’s the maximum? The VA does not have a maximum loan amount or purchase price limit. You can borrow a million dollars on a VA loan if […]

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FHA Loan Limits in NH – 2025

FHA loan limits in New Hampshire

Due to the increase in home prices throughout New Hampshire, the Federal Housing Authority (FHA) has increased its maximum loan amount for 2025 to stay in step with homebuyers who need to finance most of the purchase price. The new loan limits for single-family homes in New Hampshire range from $524,225 to $914,250, depending on […]

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Mortgage Documentation Alternatives for Self-Employed, 1099 Employees, and Non-Traditional Income Earners

Mortgage application and documentation Charley Farley Home Loans

When you apply for a home loan, we need to document that you have enough income to repay the money you are borrowing. If you are self-employed and your income is tricky to document, there are viable mortgage programs that don’t require traditional tax return documents. In the past, you may have heard terms like […]

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How to Qualify for a Jumbo Mortgage in New Hampshire

Jumbo Mortgage Loan qualifications

Jumbo mortgages are greater than the Fannie Mae or Freddie Mac conforming loan size which is $726,200 unless you’re in Rockingham or Strafford Counties where the limits are as high as $828,000 in 2023. Qualifying for a jumbo loan works the same way as a regular conforming loan in the respect that you have to […]

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

Getting a construction loan for your new home

There are many reasons you might want to take on a construction project rather than buying an existing home: Maybe you already own the property; or you have a very specific custom home plan in mind; or you want to expand the home you live in and already love. Whatever the reason, our construction loan […]

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Getting a Mortgage for a Second Home, Then Renting Out Your First Home

Getting a Mortgage for a Second Home, Then Renting Out Your First Home in NH

Over the past year, scores of people escaped to rural New Hampshire and ended up buying a second home. And then they rented out their first home back in the city. Can you do that? Can you get a mortgage to buy a second home and then rent out your first home? The answer is, […]

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Getting a Mortgage for a Vacation Home When You Plan to Rent it Out

Getting a Mortgage for a Vacation Home When You Plan to Rent it Out

­Lots of people call me after vacationing in a cabin in the mountains or a lakeside cottage to explore the possibility of becoming the proud owner of a beautiful vacation home. Let’s face it, the idea that you can list a vacation home on Airbnb or VRBO and get other people to pay for your […]

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NHHFA Loan Programs

NHHFA, or the New Hampshire Housing Finance Authority, is one of the many resources we can utilize to help homebuyers finance their new home. Many home finance programs require homebuyer education which we can arrange through NHHFA. When you need down payment cash assistance The Preferred, Home Flex and Home First Plus programs from NHHFA […]

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Should You Waive a Home Appraisal?

Should you waive a home appraisal

Normally, when purchasing or refinancing a home, your lender is going to require an appraisal of that home. Under certain circumstances, you might be offered an “appraisal waiver,” saving you the cost of the appraisal and the time required to get that appraisal. To get this waiver, Fannie Mae’s or Freddie Mac’s AUS must give […]

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Do I Need a Realtor to Buy a House?

Do you need a Realtor to buy a house?

The Realtor you sign on with represents YOU, and this comes with many benefits: A Realtor will do the work to search for homes that meet your criteria in current listings and future listings after you have compiled a list of features you would like your home to have. Once you have found a home […]

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Homebuyer Tax Credit

Tax credit for first time homebuyers

The Home Start Homebuyer Tax Credit from the New Hampshire Housing Finance Authority (NHHFA) is a money-saving program for first-time homebuyers. This is a federal Mortgage Credit Certificate (MCC) program. If you qualify, and receive a Mortgage Credit Certificate issued through the NHHFA, you can claim a federal tax credit for a portion of the […]

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Realtor and Mortgage Lender Relationships

Mortgage application and documentation Charley Farley Home Loans

When Realtors© and mortgage lenders have a good relationship, transactions go smoothly.  We have cultivated incredible working relationships with some of the best Realtors© in NH. Far too often we’ve heard horror stories from Realtors that have stemmed from poor working relationships with mortgage lenders. For example, a homebuyer’s financing gets delayed and they have […]

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Towns that Qualify for USDA Rural Development Loans in NH

USDA Rural Qualifying NH Towns

In New Hampshire, there are SO MANY TOWNS that qualify for a USDA rural development loan, it’s far easier to list the towns that don’t qualify. Download the USDA Rural Development Home Loan Eligibility map for a visual on which towns qualify and which towns don’t in New Hampshire. In alphabetical order, the towns that don’t […]

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New Hampshire VA Loans

VA Home Loans and Mortgages in NH

Did you serve our country? If you are a veteran of the armed services, reservist, active duty, or surviving spouse of a veteran, then you may be eligible for a VA loan to purchase a new home or refinance your existing home. Why use a VA Loan? That is a good question. There are many […]

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Vacation Home Loans

Do you dream of waking up in your own home overlooking a mountain or a beautiful lake? If your dream vacation home is in New Hampshire, we can help make it affordable for you with low, fixed rate vacation home loans. We finance a variety of second home types like condominiums, single-family homes and three-season […]

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Conventional vs. FHA Loans

Conventional vs FHA Loans

The mortgage industry can be a confusing maze when trying to determine how much you qualify for, how much cash you need, and how to get the lowest monthly payment.  The two largest families of loan programs are Conventional and FHA programs. To keep things simple, here is a list of the primary benefits to […]

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Home Improvement Loans

Home improvement loans - renovation loans in NH

Do you love your home but need some major repairs?  Do you want to update a certain room in your home?  Do you want to put an addition on your home to give you and your family a little more room? Is your dream home a fixer upper? These are just a few of the […]

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New Hampshire Home Loans

New Hampshire Home Loans: 10 Steps to Purchasing a Home

There are many different loan programs offered here in New Hampshire.  Start here to make your dreams of home ownership a reality! 10 Easy Steps to Buying a Home in New Hampshire There are so many questions that need to be answered when buying a home, especially if you are a first-time home buyer.  Where […]

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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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Recent Posts

  • Glimmers of Hope for NH First Time Homebuyers in 2025

  • Mortgage Documentation Alternatives for Self-Employed, 1099 Employees, and Non-Traditional Income Earners

  • 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

  • Divorce Mortgage Refinance

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Charley Farley Home Loans

Office (603) 471-9300
Fax (855) 812-9282
650 Elm St Suite 600
Manchester, NH 03101


 

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