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Bookend Lending LLCBookend Lending LLC
  • Buying A Home
  • Homeowner Assistance
  • Reverse Mortgages
  • Mortgage Loans
  • Help Center
    • Mortgage Calculator
    • Mortgage Interest Rates
    • FAQ
    • New Hampshire Mortgage Articles
  • Contact Us

Mortgage Loans

Home » Mortgage Loans

We will find the right home mortgage for you!

Bookend Lending has you covered!

At Bookend Lending, we take pride in being your premier New Hampshire mortgage company, specializing in NH mortgages that cater to your individual needs. Our team of experienced mortgage professionals understands that choosing the right loan product can seem like a daunting task. Rest assured, we’re here to guide you every step of the way, offering personalized advice to ensure you make the best decision for yourself and your family’s financial future.

Book an appointment today to learn more or create an account on our secure site, provide some basic information, and let us reply with information on your options.  Not ready for all the paperwork?  We can give you a quick glance at your situation – A pre-qualification estimate.

Fixed Rate Mortgages

The 30-year or 15-year fixed-rate mortgage is a popular home loan option for a reason. If you want lower monthly payments and the comfort of a fixed interest rate, check out the 30-year or 15-year fixed.

Minimum down payments for conventional loans:

Minimum 620 Credit Score
Minimum 3% Down Payment
3% – 6% In Closing Costs
You’ll need a debt-to-income ratio (DTI) of no more than 50%

Lock in lower monthly payments!

Find Out More- Fixed Rate Loans

NH Housing Loans

Income limits apply – New Hampshire Housing loans offer over a dozen combinations of loan products

NH Housing Requirements:

Income limit is $137,400
Minimum 620 Credit Score
Must have 1% of own funds
2%, 3% and even 4% cash assistance is available
Seller can pay all closing costs and prepaid expenses associated with a purchase (negotiated in purchase)
Mortgage Credit Certificate available for qualified buyers
Find Out More- NH Housing Loans

FHA Home Loans

For those with lower credit or low down payments
You can get an FHA loan with a credit score of just 580 or higher.

15-Year Fixed Requirements:

Minimum 580 Credit Score
Minimum 3.5% Down Payment
3% – 6% In Closing Costs
You’ll pay an upfront mortgage insurance premium of 1.75% of the base loan amount as well as monthly MIP.

You can choose between a 15-year and 30-year term – with either a fixed or variable interest rate.

Find Out More- FHA Loans

VA Home Loans

For eligible service members, veterans or qualifying surviving spouses looking to buy a primary residence. A VA loan could get you into your new home at a competitive interest rate – typically with no money down.

Benefits of a VA loan:

You'll need:
580 Median Credit Score
Certificate of Eligibility (COE)
Debt-To-Income Ratio ≤ 60%
VA Funding Fee (amount varies)
Find Out More- VA Home Loans

Reverse/HECM Mortgages

Convert home equity to eliminate monthly payments
The ability to turn a portion of the equity in your home into cash
The option to eliminate your monthly mortgage payment

Your Home, Your Choice

Must be 62 years old and older
Must have equity in your home

With a reverse mortgage, you borrow money from the lender, based on the amount of equity you have in your home.

Find Out More - Reverse and HECM

Refinancing Options

Remodel your home or payoff high-interest debt with our refinancing home equity programs.

Highlights of refinance loans include:

The ability to shorten your loan’s term to save money
The possibility of attaining a lower interest rate
The option to combine a first and second lien to a single loan for simplicity and possible savings
Find Out More About Refinancing

Begin your new chapter of home ownership today!

Follow the steps - Bookend Lending will be with you every step of the way!

  • 1

    Assess Financials

    Obtain Preapproval

  • 2

    The Hunt Begins

    Search for Your New Home & Make an Offer

  • 3

    Complete Mortgage Application

    Undergo Mortgage Underwriting and Prepare Closing Costs & down Payment

  • 4

    You're Home!

    Close on Your New Home & Enjoy!

Book An Appointment
Get Started! Online Application
Start your new chapter today! New Hampshire Mortgage Loans begin with Bookend Lending! Contact Us Today!

About Bookend Lending

With over 35 years of experience in New Hampshire Mortgages, you can feel confident that you have the security, technology, and customer service on your side for all your NH Mortgage needs. We cover every chapter of homeownership - from first-time home buyers to HECM Loans and Reverse Mortgages. Learn more about us here

Equal Housing Opportunity logo NMLS# 2557411 NH Banking License #26930-MBR Sanbornton, NH Office
and Concord, NH Office 26950-MBR-BCH Licensed by the New Hampshire Banking Department.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Complaints may be directed to: complaints@bookendlending.com

Reach out

  • Bookend Lending, LLC
  • NMLS# 2557411
  • 19 Washington St. Concord, NH 03301
  • 603-345-5644
  • info@bookendlending.com
  • https://bookendlending.com

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© 2024 · Bookend Lending LLC, NMLS#2557411 NH License #26950-MBR Licensed by the New Hampshire Banking Department.

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