# NextGen Mortgage Loans > NextGen Mortgage Loans (NMLS #1621958) is a licensed mortgage broker, not a lender, serving New Hampshire, Massachusetts, Maine, Rhode Island, and Florida. NextGen shops each borrower's scenario across a network of wholesale lenders to find the best-fit program and rate, with particular strength in self-employed/bank-statement lending, manufactured and chattel home loans, VA loans, and NH-specific refinance scenarios. Headquartered at 20 Trafalgar Square Ste 304, Nashua NH 03063, with a second office at 21-23 Plaistow Rd Unit 3, Plaistow, NH 03865. Phone +1 (877) 411-0123. ## Loan Programs - [Mortgage Broker](https://nextgenmortgageloans.com/mortgage-broker): What a mortgage broker does and how it differs from working directly with a bank/lender. - [Conventional Loans](https://nextgenmortgageloans.com/conventional-loans): Conventional financing overview and requirements. - [FHA Loans](https://nextgenmortgageloans.com/fha-loans): FHA-backed mortgages with lower down payments and flexible credit. - [VA Loans](https://nextgenmortgageloans.com/va-loans): Zero-down VA loan benefits for eligible veterans. - [Fixed-Rate Mortgages](https://nextgenmortgageloans.com/fixed-rate-mortgages): Predictable payment for the life of the loan. - [Adjustable-Rate Mortgages (ARM)](https://nextgenmortgageloans.com/adjustable-rate-mortgages): Lower starting rate that adjusts over time. - [Bank Statement Loans](https://nextgenmortgageloans.com/bank-statement-loans): Qualify using 12-24 months of bank statements instead of tax returns; hub links to profession-specific sub-pages. - [Home Purchase Loans (NH)](https://nextgenmortgageloans.com/home-purchase-loans-nh): Financing options for buying a first or next home in NH. - [First-Time Home Buyers](https://nextgenmortgageloans.com/first-time-homebuyer): Guidance and programs for first-time buyers. - [FHA Streamline Refinance](https://nextgenmortgageloans.com/fha-streamline-refinance): Reduced-paperwork refinance for existing FHA borrowers. ## Manufactured & Chattel Home Loans - [Manufactured Home Loans (Hub)](https://nextgenmortgageloans.com/manufactured-home-loans): Routes borrowers to either the chattel/specialty path or the agency-financed path based on the home and property. - [Mobile Home Chattel Loans](https://nextgenmortgageloans.com/mobile-home-chattel-loans): Specialty chattel financing for any-age homes, leased land, parks/co-ops, no permanent-foundation requirement. - [FHA/VA Manufactured Home Loans](https://nextgenmortgageloans.com/fha-va-manufactured-home-loans): Agency-financed manufactured home loans (FHA Title II, VA, conventional, USDA) with standard foundation/HUD-code requirements. ## Refinance - [Refinance Loans (Hub)](https://nextgenmortgageloans.com/refinance-loans): Overview of refinance reasons and paths (rate/term, cash-out, home equity, IRRRL, life-event). - [Cash-Out Refinance](https://nextgenmortgageloans.com/cash-out-refinance): Access home equity as cash while refinancing. - [No-Income Cash-Out Refinance](https://nextgenmortgageloans.com/no-income-cashout-refinance): NH cash-out refinance without income verification. - [Home Equity Loan](https://nextgenmortgageloans.com/home-equity-loan): Second-lien financing against home equity. - [Remove Mortgage Insurance Refinance](https://nextgenmortgageloans.com/remove-mortgage-insurance-refinance): Refinancing to drop PMI/MIP once enough equity has built up. - [Divorce Buyout Refinance](https://nextgenmortgageloans.com/divorce-buyout-refinance): Refinancing to buy out a spouse's equity share during divorce. - [ARM Reset Refinance](https://nextgenmortgageloans.com/arm-reset-refinance): Refinancing ahead of or after an adjustable-rate mortgage's first reset. ## Calculators - [Mortgage Calculators (Hub)](https://nextgenmortgageloans.com/mortgage-calculators): Index of all interactive loan calculators. - [VA Loan Mortgage Calculator](https://nextgenmortgageloans.com/mortgage-calculators/va-loan-mortgage-calculator) - [Mobile Home Loan Calculator](https://nextgenmortgageloans.com/mortgage-calculators/mobile-home-loan-calculator) - [Bank Statement Loan Calculator](https://nextgenmortgageloans.com/mortgage-calculators/bank-statement-loan-calculator) - [Cash-Out Refinance Calculator](https://nextgenmortgageloans.com/mortgage-calculators/cash-out-refinance-calculator) - [Extra Mortgage Payment Calculator](https://nextgenmortgageloans.com/mortgage-calculators/extra-mortgage-payment-calculator) - [Divorce Buyout Calculator](https://nextgenmortgageloans.com/mortgage-calculators/divorce-buyout-calculator) ## Service Areas (NH) - [Manchester, NH Mortgage Broker](https://nextgenmortgageloans.com/manchester-nh-mortgage-broker) - [Nashua, NH Mortgage Broker](https://nextgenmortgageloans.com/nashua-nh-mortgage-broker) - [Concord, NH Mortgage Broker](https://nextgenmortgageloans.com/concord-nh-mortgage-broker) - [Portsmouth, NH Mortgage Broker](https://nextgenmortgageloans.com/portsmouth-nh-mortgage-broker) - [Derry, NH Mortgage Broker](https://nextgenmortgageloans.com/derry-nh-mortgage-broker) - [Dover, NH Mortgage Broker](https://nextgenmortgageloans.com/dover-nh-mortgage-broker) - [Rochester, NH Mortgage Broker](https://nextgenmortgageloans.com/rochester-nh-mortgage-broker) - [Locations](https://nextgenmortgageloans.com/location): Office locations (Nashua HQ and Plaistow). ## Company - [About](https://nextgenmortgageloans.com/about): Company background and approach. - [Team](https://nextgenmortgageloans.com/team): Loan officers and staff. - [Careers](https://nextgenmortgageloans.com/careers): Open positions. - [Contact](https://nextgenmortgageloans.com/contact): Contact form and request a consultation. - [Blog](https://nextgenmortgageloans.com/post): Mortgage education articles and market insights. ## Optional - [Terms & Conditions](https://nextgenmortgageloans.com/terms-condition) - [Privacy Policy](https://nextgenmortgageloans.com/privacy-policy)