New Hampshire Mortgage Rates

June 27, 2016 02:26 PM Eastern

Refinance rates now in MANCHESTER, NH [Change this]

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Home Price (Purchase)
When you get a mortgage to purchase a home, the lender uses the lower of the agreed-upon purchase price or the property's appraised value to determine your maximum loan amount. The loan amount divided by the property home price equals your loan-to-value ratio, or LTV. That ratio is one of the major factors that lenders use to set your mortgage rate. If your LTV exceeds 80 percent, you'll probably be required to pay mortgage insurance, which increases your monthly payment. If the property appraises for less than the agreed-on purchase price, you are not usually required to complete the purchase.
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Home Value (Refinance)
This is your estimate of the current value of your property. When you refinance, your home is almost always evaluated by a licensed appraiser. The refinance loan amount divided by the property's appraised value equals your loan-to-value ratio (LTV), and that number is one of the major factors that determine your mortgage rate. To get an accurate refinance rate quote, your home value estimate must be reasonably accurate.
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Down Payment
The down payment is the amount you pay upfront when you finance property. Your purchase price minus your down payment equals your mortgage amount. The higher your down payment, the more likely you are to be approved for a home loan. If your down payment is less than 20 percent of the purchase price, you'll probably be required to pay for mortgage insurance, which increases your monthly payment.
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Credit Score
Your credit score is a number designed to measure your credit-worthiness. It's based on a formula that combines many factors, including your payment history, amount of credit used and number of accounts. This number is used by lenders to calculate the probability that you'll default on your mortgage. Most lenders won't approve mortgages to applicants with credit scores lower than 620. Your credit score is one of the most important factors that determines your mortgage rate - applicants with higher scores are offered better mortgage rates.

30 Year Fixed

Interest Rate
3.250%
APR
3.380%
Monthly Payment
$871
Capital One
30 Year Fixed
Interest Rate
3.250%
APR
3.380%
Monthly Payment
$871
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $871
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $871
Lender Fees $3,240
Lender Credit $0
Total Closing Fees* $3,240
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings - we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process - one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too - you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Email Lender Write a Review

Lender Reviews

HORRIBLE to work with

Loan pre approval was easy. The loan originator was knowledgable, then I was transfered to a loan specialist and loan hub. The Specialist was, very unconcerned and did not seam to listen to my needs. Her response time was very slow to my emails and called messages and she never had a answer to my questions when we did correspond. LOAN HUB was horrible. It would freeze up and give me a response of "Oops, something went wrong". Try again later. This happened many times. Documents that were uploaded and received were then lost or deleted by the Loan Specialist and we're requested again by Loan Hub, but you would only know if YOU looked at your loan status in Loan Hub. No one would email, text or call. When I brought this to the Loan Specialist attention she said that she did not look at Loan Hub and did not know how it worked. Imagine That. In the end the loan was never closed, because the Appraiser, hired by Capital One, did not turn in the Appraisal in time for closing. They then wanted to start the Loan Process all over with another "LOAN SPECIALIST.

By: Tim (Oak Grove, LA)

I like payment

Yes, I recommend this lender

I like Capital

By: DuongHien (Mountain View, CA)

Worst customer service

My experience with capital one has been absolutely horrible. I have tried to give them the benefit of the doubt. The only positive experience was the loan pre-approval process. It was all automated and very fast, but I think this might be what led to the worst experience I've had in getting a loan. Once you accept their terms, they give you access to loanhub for uploading all your documents and communicating with your loan team. I have excellent credit that is between 760-800 depending on which bureau report you pull. I am putting 20% down and have proof of income for a very secure position. The problems start when you have no one to talk to. They list a bunch of documents you need, you provide them, and you don't hear back on whether they are acceptable to underwriting. They continue to ask for the same documents over and over again until you are finally able to explain it to someone if you are lucky enough to get someone on the phone. I have called numerous times and have been on hold for 20 minutes each time or left a voicemail that is not returned. I've emailed questions and I don't get a response. If I do get a response it is usually another form or question they need answered with zero answers to my questions. I've asked repeatedly if we will still close on time and if there are any other issues I need to close out. Nothing. It is the worst. I thought I was saving money because of points and interest rate and now I wish I never used them. Unfortunately, I am too far along in the process and can't switch, although I still doubt the loan will ever close anyway. Please, unless you are saving a significant amount of money, do not use them. It's very surprising because I have always loved their credit card products and have been a customer for years. I just can't believe this is how they treat customers. I really have no idea how lending tree has them rated at 4.4 of 5.

By: Fred (Hoboken, NJ)
See All Reviews
First Internet Bank
30 Year Fixed
Interest Rate
3.250%
APR
3.388%
Monthly Payment
$871
(855) 637-1962 Contact
First Internet Bank
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $871
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $871
Lender Fees $3,435
Lender Credit $0
Total Closing Fees* $3,435
*Other 3rd party fees may apply
First Internet Bank
Email Lender

About the Lender

At First Internet Bank, we focus on helping our customers achieve their dreams of homeownership. We know that it is more than a house to you; it is where you raise your families, make lasting memories and build financial security. And we know that your family and home is unique and special, so we treat each and every application individually.
1. Your home loan experience – better, faster, easier – Our team has helped thousands of people like you afford the home of their dreams. You can rely on our deep knowledge and experience because our loan officers are seasoned professionals. They’re not sales people; they are “skilled mortgage advisors.” We take the time to explain each step to you – forms, paper work, the home appraisal and the final closing. First IB is there for you and will guide, support and advise you every step of the way.
2. Great rates and low fees – We know that once you find that perfect home in that perfect neighborhood, you’ll need a mortgage partner to help you design the perfect payment plan. First IB consistently delivers competitive mortgage rates to home owners across the nation. And unlike some lenders, we won’t just show you “some” of the fees, we show you everything. Put us to the test!
First Internet Bank
Email Lender Write a Review

Lender Reviews

Professional and Customer Friendly Experience.

Yes, I recommend this lender

I had to write this email to let you know what a great group of people you have. It is mainly because of Max Kotterman that I selected your company which was about $1,000.00 more expensive than my second choice. In addition, the second choice company had more negative reviews about their underwriting department which sent up a red signal to me. I have learned having been in business for over 30 years that the lesser cost alternative is not always the most desirable. Max Kotterman was great as was Katie Buckley. They both went out of their way to answer my questions quickly and efficiently. If I were still in my own business, I'd hire both in a second! Tracy Uhrig and Rebecca Rayment, both of who I did not communicate much with, were also very professional and cooperative. The "Closer Notary", Danielle L. Kingsley, could not have been more professional, friendly, and organized. Start to finish was exactly 30 days. Amazing! I could not see how the experience could have been any better. Thank you for the wonderful job your "hiring" staff does. All these people should be commended for realizing how far good customer service can go. Once again ..... Great Job!

By: Barry (Sarasota, FL)

Great Service

Yes, I recommend this lender

Shelly Archer and her team were on top of the whole process. If I had a question, she answered it timely, usually the same day. The whole process was a pleasant experience and I would go through this bank again without question. Thank you, Shelly Archer and team for making this a seamless and pleasant experience.

By: Yvonne (Carson City, NV)

Great Lender

Yes, I recommend this lender

First Internet was excepitional in every facet of our refiance. Our loan officer Scott was very efficent not pushy and lived up to his word 100%. I would not hesitate to refer them to any of my family or friends, from start to finish the process was very streamlined and professional. Their best atribute was complete honesty.

By: Clifford (Carleton, MI)
See All Reviews

15 Year Fixed

Interest Rate
2.500%
APR
2.766%
Monthly Payment
$1,334
First Internet Bank
15 Year Fixed
Interest Rate
2.500%
APR
2.766%
Monthly Payment
$1,334
(855) 637-1962 Contact
First Internet Bank
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,334
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,334
Lender Fees $3,709
Lender Credit $0
Total Closing Fees* $3,709
*Other 3rd party fees may apply
First Internet Bank
Email Lender

About the Lender

At First Internet Bank, we focus on helping our customers achieve their dreams of homeownership. We know that it is more than a house to you; it is where you raise your families, make lasting memories and build financial security. And we know that your family and home is unique and special, so we treat each and every application individually.
1. Your home loan experience – better, faster, easier – Our team has helped thousands of people like you afford the home of their dreams. You can rely on our deep knowledge and experience because our loan officers are seasoned professionals. They’re not sales people; they are “skilled mortgage advisors.” We take the time to explain each step to you – forms, paper work, the home appraisal and the final closing. First IB is there for you and will guide, support and advise you every step of the way.
2. Great rates and low fees – We know that once you find that perfect home in that perfect neighborhood, you’ll need a mortgage partner to help you design the perfect payment plan. First IB consistently delivers competitive mortgage rates to home owners across the nation. And unlike some lenders, we won’t just show you “some” of the fees, we show you everything. Put us to the test!
First Internet Bank
Email Lender Write a Review

Lender Reviews

Professional and Customer Friendly Experience.

Yes, I recommend this lender

I had to write this email to let you know what a great group of people you have. It is mainly because of Max Kotterman that I selected your company which was about $1,000.00 more expensive than my second choice. In addition, the second choice company had more negative reviews about their underwriting department which sent up a red signal to me. I have learned having been in business for over 30 years that the lesser cost alternative is not always the most desirable. Max Kotterman was great as was Katie Buckley. They both went out of their way to answer my questions quickly and efficiently. If I were still in my own business, I'd hire both in a second! Tracy Uhrig and Rebecca Rayment, both of who I did not communicate much with, were also very professional and cooperative. The "Closer Notary", Danielle L. Kingsley, could not have been more professional, friendly, and organized. Start to finish was exactly 30 days. Amazing! I could not see how the experience could have been any better. Thank you for the wonderful job your "hiring" staff does. All these people should be commended for realizing how far good customer service can go. Once again ..... Great Job!

By: Barry (Sarasota, FL)

Great Service

Yes, I recommend this lender

Shelly Archer and her team were on top of the whole process. If I had a question, she answered it timely, usually the same day. The whole process was a pleasant experience and I would go through this bank again without question. Thank you, Shelly Archer and team for making this a seamless and pleasant experience.

By: Yvonne (Carson City, NV)

Great Lender

Yes, I recommend this lender

First Internet was excepitional in every facet of our refiance. Our loan officer Scott was very efficent not pushy and lived up to his word 100%. I would not hesitate to refer them to any of my family or friends, from start to finish the process was very streamlined and professional. Their best atribute was complete honesty.

By: Clifford (Carleton, MI)
See All Reviews

5/1 ARM

Interest Rate
2.375%
APR
3.306%
Monthly Payment
$777
KS StateBank
5/1 ARM
Interest Rate
2.375%
APR
3.306%
Monthly Payment
$777
(866) 490-8813 Contact
KS StateBank
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 45 Days
Down Payment $50,000
Principal and Interest Payments $777
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $777
Lender Fees $5,095
Lender Credit $0
Total Closing Fees* $5,095
*Other 3rd party fees may apply
KS StateBank
Email Lender

About the Lender

Founded in 1969, KS StateBank is a family-owned community bank that lends nationally. We are FDIC insured and hold the highest of bank ratings from both Bauer Financial and Bankrate. Our mortgage division specializes in online lending and our goal is to offer the lowest interest rates and total loan cost we can. We achieve this goal by doing a high volume of loans with low overhead and we pass the savings on to our borrowers. Our bank slogan is “Solutions for YOU!” and our experienced mortgage loan specialists will guide you through the loan process to find your unique solution. They will help you realize a mortgage goal that fits with your financial goals and dreams.For more information call or email us today. You can also apply online 24/7 and one of our specialists will be in touch!
KS StateBank
Email Lender Write a Review

Lender Reviews

Top of the Line

Yes, I recommend this lender

Working with Erik and Lanette was a great experience. They took care of everything in a timely manner and were always available (late at night and early in the morning) to answer questions, lend a helping hand, clarify things and so on. We closed from long distance and they made it a breeze. And, on top of all this KS State offered the best rate. I could not be more pleased. Thank you!

By: William (Okemos, MI)

Great to work with!

Yes, I recommend this lender

The KS StateBank team was fantastic to work with. They were very responsive to questions my husband and I had regarding our home transaction.They treated us with the utmost respect - definitely made the process much less stressful. I would highly recommend them to friends and family.

By: Lisa (Lake Villa, IL)

Excellent service

Yes, I recommend this lender

Amazing experience and fantastic customer service!!! Doug Kruger and Lanette Kaster did an excellent job and we would recommend KS State Bank in a heartbeat! Thank you!

By: Adriana (Mission Viejo, CA)
See All Reviews
Capital One
5/1 ARM
Interest Rate
2.625%
APR
3.333%
Monthly Payment
$804
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $804
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $804
Lender Fees $2,240
Lender Credit $0
Total Closing Fees* $2,240
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings - we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process - one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too - you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Email Lender Write a Review

Lender Reviews

HORRIBLE to work with

Loan pre approval was easy. The loan originator was knowledgable, then I was transfered to a loan specialist and loan hub. The Specialist was, very unconcerned and did not seam to listen to my needs. Her response time was very slow to my emails and called messages and she never had a answer to my questions when we did correspond. LOAN HUB was horrible. It would freeze up and give me a response of "Oops, something went wrong". Try again later. This happened many times. Documents that were uploaded and received were then lost or deleted by the Loan Specialist and we're requested again by Loan Hub, but you would only know if YOU looked at your loan status in Loan Hub. No one would email, text or call. When I brought this to the Loan Specialist attention she said that she did not look at Loan Hub and did not know how it worked. Imagine That. In the end the loan was never closed, because the Appraiser, hired by Capital One, did not turn in the Appraisal in time for closing. They then wanted to start the Loan Process all over with another "LOAN SPECIALIST.

By: Tim (Oak Grove, LA)

I like payment

Yes, I recommend this lender

I like Capital

By: DuongHien (Mountain View, CA)

Worst customer service

My experience with capital one has been absolutely horrible. I have tried to give them the benefit of the doubt. The only positive experience was the loan pre-approval process. It was all automated and very fast, but I think this might be what led to the worst experience I've had in getting a loan. Once you accept their terms, they give you access to loanhub for uploading all your documents and communicating with your loan team. I have excellent credit that is between 760-800 depending on which bureau report you pull. I am putting 20% down and have proof of income for a very secure position. The problems start when you have no one to talk to. They list a bunch of documents you need, you provide them, and you don't hear back on whether they are acceptable to underwriting. They continue to ask for the same documents over and over again until you are finally able to explain it to someone if you are lucky enough to get someone on the phone. I have called numerous times and have been on hold for 20 minutes each time or left a voicemail that is not returned. I've emailed questions and I don't get a response. If I do get a response it is usually another form or question they need answered with zero answers to my questions. I've asked repeatedly if we will still close on time and if there are any other issues I need to close out. Nothing. It is the worst. I thought I was saving money because of points and interest rate and now I wish I never used them. Unfortunately, I am too far along in the process and can't switch, although I still doubt the loan will ever close anyway. Please, unless you are saving a significant amount of money, do not use them. It's very surprising because I have always loved their credit card products and have been a customer for years. I just can't believe this is how they treat customers. I really have no idea how lending tree has them rated at 4.4 of 5.

By: Fred (Hoboken, NJ)
See All Reviews
Mortgage rate quotes displayed on LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

Mortgage Rate Trends

Monthly | Daily

Current New Hampshire Mortgage Rates: A Buyer's Market
More than 1.3 million people call the Granite State home. From big cities like Concord and Manchester to smaller communities like Nashua, New Hampshire residents enjoy mild summers and cold, snowy winters. When homebuyers in the state find NH mortgage rates that they're happy with, they can buy themselves a little bit of the state that they love.

No matter where you're considering purchasing property, you won't get far without securing good NH mortgage interest rates. Finding low current interest rates in New Hampshire can be a challenge, however this is particularly important for buyers on a budget. Fortunately, New Hampshire offers several programs to ensure that homebuyers are protected from predatory lenders and helps them secure the best NH mortgage interest rates.

New Hampshire's Single Family Mortgage Program
One of the many homeownership incentive programs offered in the state, the Single Family Mortgage Program has been designed to help qualified applicants purchase their first single-family home. Qualified buyers:

• may choose among 2-4 family and manufactured homes
• must be within specific low and moderate income brackets
• must live within a state specified target area
• will enjoy competitively low current NH mortgage rates along with low down payment requirements

Some potential homebuyers may also qualify for cash assistance grants.

NH Mortgage Interest Rates for Low-Income Families
New Hampshire's lending programs are particularly sensitive to low-income families and those with poor credit. Many options are available for securing low NH mortgage rates for those on a restrictive budget.

The Voucher Assisted Mortgage Program, for example, helps very low-income families use their Section 8 housing allowance towards mortgage payments on a purchased home. This program helps low-income families to secure favorable NH mortgage interest rates and assists them with closing costs. Participants must enroll in a first-time homebuyer education course to qualify.

Getting NH Mortgage Rates with Poor Credit
If you're interested in buying a home but your credit isn't that great, you can get help for that in New Hampshire as well. The State of New Hampshire offers programs for people with poor credit. Counseling options and specialized loans can provide you with current NH mortgage rates and the opportunity to pay your bills while owning a home. For people with past credit problems, these programs can be an extremely valuable way to get the great New Hampshire mortgage interest rates that are currently available.