Your Trusted Mortgage Broker in NH, MA, ME, RI & FL
We shop your loan across dozens of wholesale lenders to find competitive rates and flexible terms. Local expertise across Nashua, Manchester, Concord, Portsmouth, Boston, and surrounding areas. One application. Your best path forward.
15+ Years
Local Experience
5,000+
Loans Closed
4.9/5
Customer Rating
15+ Years
Local Experience
5,000+
Loans Closed
4.9/5
Customer Rating
Why Choose NextGen?
We’re an independent mortgage broker focused on your goals. By comparing multiple lenders, we help you find the right loan with competitive rates and flexible options.
More Lenders, Better Rates
More Lenders,
Better Rates
We work with multiple wholesale lenders — not just one bank — to help you secure competitive rates.
Local Expertise
Based in MA & NH, we understand local property requirements, condo approvals, and regional loans.
More Lenders, Better Rates
More Lenders,Better Rates
We work with multiple wholesale lenders — not just one bank — to help you secure competitive rates.
More Lenders, Better Rates
Local Expertise
Based in MA & NH, we understand local property requirements, condo approvals, and regional loans.
More Lenders, Better Rates
Fast Closings
Our streamlined coordination helps many purchases close in as little as 21 days.
More Lenders, Better Rates
Personal Service
Work with a dedicated loan officer from your first call to closing.
Fast Closings
Our streamlined coordination helps many purchases close in as little as 21 days.
Personal Service
Work with a dedicated loan officer from your first call to closing.
Mortgage Payment Calculator
Estimate your full monthly payment including principal, interest, property taxes, homeowners insurance, and PMI. Defaults use current NH market averages so you see a realistic number, not just principal and interest.
Includes estimated NH property tax (1.8% annually) and homeowners insurance (0.5% annually). PMI added at 0.5% annually when down payment is under 20%.
What Does a Mortgage Broker Do?
A mortgage broker is a licensed intermediary who shops your loan application across multiple lenders to find the program and pricing that best fit your financial situation. Instead of being limited to one bank's products, you get access to dozens of wholesale lenders through a single application.
As a licensed mortgage broker, NextGen does not lend money directly. We work on your behalf, not a bank's, walking your scenario through a network of wholesale lenders to find the best program for first-time buyers, refinancers, self-employed borrowers, veterans, and homeowners with non-traditional income. Here is what happens at each stage.
Review Your Scenario
We start with a 10-minute strategy call to understand your goals, income structure, and credit profile, then run your scenario against current lender programs.
Shop Multiple Lenders
We submit your loan scenario to our wholesale lender network, compare real offers side by side, and present the best fit for your situation.
Manage Your File
We package your documents, handle lender requests, coordinate the appraisal, and keep you updated. One point of contact through underwriting.
Close & Fund
We coordinate with the chosen lender, title company, and closing attorney to get you to clear-to-close, often in 21 days or less.
Mortgage Broker vs. Bank: The Real Difference
Both can fund a mortgage. Only one shops your loan across a market of lenders. Here is how the two stack up on the dimensions that actually affect your rate and approval odds.
| What matters | Working with a Bank | Working with NextGen |
|---|---|---|
| Lender access | One lender. One set of loan products. | Dozens of wholesale lenders, all major loan programs. |
| Rate shopping | You apply at each bank separately. Multiple credit pulls. | One application. We compare offers across our network. |
| Self-employed / 1099 income | Often auto-rejected by rigid W-2-based underwriting. | Bank statement, 1099, and non-QM programs supported. |
| Specialty loan programs | Limited to what one bank chooses to underwrite. | FHA, VA, USDA, jumbo, DSCR, manufactured home, and more. |
| Who works for you | The bank's loan officer represents the bank. | Your broker works for you. Full stop. |
| Cost transparency | Fees vary by bank and are not always disclosed upfront. | Every fee disclosed on your loan estimate before you sign. |
Every Major Mortgage Program, Under One Broker
A bank offers their own products. A mortgage broker gives you access to the full market. Here is what we can shop on your behalf.
Conventional Loans
Competitive rates for buyers with strong credit and stable income. 3% down options available.
See requirements →FHA Loans
Government-backed loans with 3.5% down and flexible credit. Strong fit for first-time buyers.
See requirements →VA Loans
Zero down payment options for veterans and active-duty military. No PMI. Competitive rates.
See requirements →USDA Loans
Zero down for buyers in eligible rural NH areas. Income limits apply, but the savings are real.
See requirements →Refinance Loans
Lower your rate, shorten your term, or pull cash out. Rate-and-term, cash-out, and streamline options.
See requirements →Manufactured Home Loans
Chattel and real-property financing for mobile and manufactured homes. A specialty most banks won't touch.
See requirements →Bank Statement Loans
Qualify on deposits, not tax returns. Built for self-employed, 1099 contractors, and business owners.
See requirements →First-Time Buyer Programs
Down payment assistance, tax credits, and low-down-payment programs designed for NH first-time buyers.
See requirements →Licensed in 5 States Across New England & Florida
NextGen is headquartered in Nashua, NH and licensed to broker mortgages in New Hampshire, Massachusetts, Maine, Rhode Island, and Florida. Local expertise where it matters most.
New Hampshire Home Base
Massachusetts
Boston metro, North Shore, MetroWest, and statewide coverage for purchase and refinance.
Maine
Portland, Bangor, and statewide. Strong fit for buyers relocating from the Boston metro.
Rhode Island
Providence, Newport, and statewide. Conforming, FHA, VA, and jumbo programs available.
Florida
Statewide. Primary residence, second home, and investment property programs supported.
Why Work With a Local Mortgage Broker in NH?
New Hampshire's mortgage market has quirks that out-of-state lenders and big-box banks routinely miss. From New Hampshire Housing's down payment assistance to NH's notoriously high property tax rates, the right local broker saves you money and time. Here is what makes the NH market different.
Access to New Hampshire Housing Programs
New Hampshire Housing offers down payment assistance, the Purchase Rehab program for fixer-uppers, and a Homebuyer Tax Credit worth up to $2,000 annually. Most out-of-state lenders don't originate these programs. We do, and we know how to layer them on top of FHA or conventional financing. See our NH down payment assistance guide for current eligibility.
NH Property Tax Strategy
New Hampshire has one of the highest effective property tax rates in the country at roughly 1.8%, which dramatically affects your real monthly PITI payment. A $440K home can carry $660 per month in taxes alone. We factor this into pre-approval and DTI calculations so you don't get surprised at closing.
Wholesale Lender Access in a Small Market
NH has fewer competitive retail lenders than larger states, which means buyers who only shop local banks often miss better terms available through national wholesale lenders. Our broker network gives you access to pricing the average NH bank can't match.
Coastal, Lake, and Manufactured Home Expertise
From Portsmouth condos to Lakes Region waterfront properties to manufactured homes in rural NH, property-type-specific underwriting matters. We have lender programs for the property types most banks decline, including our top-performing manufactured home loan and multi-family programs.
A Simple, Transparent Process
From pre-approval to closing, we make the mortgage process clear, efficient, and stress-free.
Apply Online or Call
Start your application online in minutes or speak with a loan officer.
Get Pre-Approved
We review your finances and provide a clear pre-approval.
Find Your Home
Shop confidently knowing your budget and loan options.
Close & Move In
We finalize your loan and help you close smoothly.
A Real Person on Your Side, Not a Call Center
NextGen Mortgage was founded on the idea that homebuyers deserve a broker who actually picks up the phone. Here is who is behind the brokerage you are working with.
Mike Gill Jr.
NMLS #327540Founder & CEO, NextGen Mortgage Loans
Mike started his career at his family's mortgage brokerage, where he learned the business from the ground up. In 2017, he founded NextGen Mortgage to combine that expertise with a simple commitment: build real relationships, not transactions.
Today NextGen's team averages over 15 years of industry experience and works with more than 30 banks and lenders, giving clients access to a wider range of programs and more competitive terms than any single bank can offer.
25 licensed loan officers across NH, MA, ME, RI & FL
Bilingual specialists, veterans, investors, and former real estate agents on staff.
Hear From Our Homeowners
Don't just take our word for it. See why buyers across Massachusetts and New Hampshire trust NextGen Mortgage.
Frequently Asked Question
What is a mortgage broker and how is it different from a bank?
A mortgage broker is a licensed professional who shops your loan application across multiple lenders to find the best program and pricing for your situation. A bank can only offer the loan products they originate themselves. A broker works with a network of wholesale lenders, which means access to more programs, more flexibility, and rate comparison without filing separate applications at five different banks.
How does a mortgage broker get paid?
Mortgage brokers are typically paid through a commission, either by the lender (lender-paid compensation) or by the borrower (borrower-paid compensation). Federal law caps broker compensation and requires full disclosure on your Loan Estimate. With NextGen Mortgage, all costs are transparent and disclosed upfront, with no surprise fees.
Will using a mortgage broker get me a better rate?
Often, yes. Because brokers compare offers from multiple wholesale lenders, they have access to pricing tiers that retail banks cannot match. Wholesale rates are usually lower than retail rates from the same bank. For borrowers with strong credit, complex income, or specific loan needs, a broker frequently saves both money and hassle.
How fast can NextGen Mortgage close a loan?
Many of our purchase loans close in as little as 21 days, well below the industry average of 30 to 45 days. Speed depends on documentation completeness, appraisal availability, and the loan type. We coordinate directly with appraisers, title companies, and underwriters to keep the file moving efficiently.
Does it cost anything to get pre-approved?
No. Pre-approval with NextGen Mortgage is free with no obligation. You'll provide income, asset, and credit information, and we'll review your full profile to issue a pre-approval letter, usually within 24 hours. There are no application fees or rate-lock fees.
How do I choose a mortgage broker?
Choosing a mortgage broker comes down to three things: licensing, lender access, and communication. Confirm the broker is licensed in your state through NMLS Consumer Access, ask how many lenders they work with, and find out who your point of contact will be from application through closing. A good broker explains your options clearly and answers questions without pressure.
What documents do I need for mortgage pre-approval?
Most pre-approvals require recent pay stubs, two years of W-2s or tax returns, two months of bank statements, a photo ID, and information on any other debts you carry. Self-employed borrowers typically provide tax returns and profit-and-loss statements, or may qualify through bank statement programs that use deposits instead of tax returns.
What documents do I need for mortgage pre-approval?
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Secure the Right Mortgage for Your Needs
Explore flexible mortgage options with competitive rates and predictable payment solutions. Apply easily, get real-time updates, and receive expert guidance every step of the way.
MLO License Info: NMLS #1621958, NH Broker license #1621958MBRR, and MA Broker license #MB1621958, ME Broker License #1621958, FL Broker License #MBR4542, RI Broker License #20265029LB
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