BEST OF
10 Best New Hampshire Mortgage Lenders of 2021
NerdWallet can help you choose the right New Hampshire mortgage lender for you, whether you want a major bank’s full menu of options or an online lender’s all-digital experience
Whether buying a home or refinancing in New Hampshire, look for a mortgage lender that caters to your needs. These lenders do a high volume of business in the Granite State and are among the best reviewed by NerdWallet. They can fit the bill whether you prefer a traditional bank or the convenience of an online lender. There are also options if you’re buying a fixer-upper, want a VA loan or have some credit challenges.
Whether buying a home or refinancing in New Hampshire, look for a mortgage lender that caters to your needs. These lenders do a high volume of business in the Granite State and are among the best reviewed by NerdWallet. They can fit the bill whether you prefer a traditional bank or the convenience of an online lender. There are also options if you’re buying a fixer-upper, want a VA loan or have some credit challenges.
Summary of Best New Hampshire Mortgage Lenders of 2021
| Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
|---|---|---|---|---|
Best for online convenience | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for online convenience | 620 | 3% | at Guaranteed Rate | |
Best for VA loans | 650 | 0% | at Veterans United | |
Best for VA loans | N/A | 0% | Read review | |
Best for renovation loans | 620 | 5% | at loanDepot | |
Best for renovation loans | 620 | 3% | at Fairway Independent Mortgage | |
Best for credit challenges | 620 | 3% | Read review | |
Best for credit challenges | 620 | 3% | Read review | |
Best for jumbo loans | N/A | 20% | Read review | |
Best for jumbo loans | N/A | 3% | Read review |
at Rocket Mortgage by Quicken Loans
at Rocket Mortgage by Quicken Loans
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
- Estimates the loan amount you’ll qualify for within minutes.
- Offers document and asset retrieval capabilities.
Cons
- If you’re a “look me in the eye” type of customer, you’re out of luck.
- Getting a customized interest rate requires a credit check, which can lower your credit score by a few points.
at Guaranteed Rate
at Guaranteed Rate
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers the ability to securely upload and digitally sign loan documents.
- Displays detailed sample rates for many of its loan products.
Cons
- Doesn't offer home equity loans or lines of credit.
at Veterans United
at Veterans United
Min. Credit Score
650
Min. Down Payment
0%
Pros
- Offers 24/7 customer service over the phone.
- Has online application and pre-qualification.
- Offers a free credit counseling service.
- Employs advisors from each branch of the armed forces.
Cons
- Doesn’t offer home equity loans or HELOCs.
- Veterans United has physical branch offices in only 18 states.
- Information on FHA, USDA and conventional loans is harder to find on their website.
- Charges higher rates and fees than some other lenders.
National / Regional
National
Min. Down Payment
0%
Pros
- Offers a wide range of affordable mortgage products designed for military members.
- Has an online application for preapproval.
- Offers low rates compared with most lenders.
Cons
- Website does not provide customized mortgage rates based on credit score or other factors before you apply.
- Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.
at loanDepot
at loanDepot
Min. Credit Score
620
Min. Down Payment
5%
Pros
- Offers digital income, asset and employment verification.
- Offers multiple renovation loan options.
- Has over 200 affiliated loan stores nationwide for customers who prefer face-to-face service.
Cons
- Mortgage rates aren't available online; you'll need to contact a loan officer.
- Does not offer home equity loans or lines of credit.
at Fairway Independent Mortgage
at Fairway Independent Mortgage
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers a robust suite of loan products, including a variety of renovation loans.
- Has a digital application that can be completed in 10 minutes.
- Works with some state housing finance agencies to offer mortgages with down payment and closing cost assistance.
Cons
- Mortgage rates aren't posted online.
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Offers extensive educational resources for military borrowers.
- Provides digital tools for a streamlined application process.
- Participates in some state down payment assistance and first-time home buyer programs.
Cons
- No mortgage rates displayed online.
- Doesn’t offer home equity loans or lines of credit.
Min. Credit Score
620
Min. Down Payment
3%
Pros
- Full online application includes document uploads and automated loan updates.
- Offers a "float-down" interest rate lock.
- Offers a proprietary closing-cost assistance program.
Cons
- No online mortgage rates — you have to contact the lender for info.
- Doesn't offer home equity products.
Min. Credit Score
N/A
Min. Down Payment
20%
Pros
- Provides numerous online conveniences, including loan application and process updates.
- Current rates clearly posted for various loan products.
- Offers a wide variety of loan types and products.
Cons
- New applications for home equity lines of credit suspended during COVID-19 crisis.
- Government actions and scandals have damaged consumer trust in recent years.
Min. Credit Score
N/A
Min. Down Payment
3%
Pros
- Allows borrowers to apply entirely online.
- Offers down payment and closing cost assistance programs.
- May give existing customers a discount on mortgage lender origination fees.
Cons
- Does not offer renovation loans.
Last updated on January 21, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best New Hampshire Mortgage Lenders of 2021
- Rocket Mortgage by Quicken Loans: Best for online convenience
- Guaranteed Rate: Best for online convenience
- Veterans United: Best for VA loans
- Navy Federal: Best for VA loans
- loanDepot: Best for renovation loans
- Fairway Independent Mortgage: Best for renovation loans
- Caliber: Best for credit challenges
- PrimeLending: Best for credit challenges
- Wells Fargo: Best for jumbo loans
- Bank of America: Best for jumbo loans
