You can qualify for an FHA loan in Nashua with a credit score as low as 580 and 3.5% down, or 500 to 579 with 10% down. Conventional loans typically require 620 or higher, with the best rates at 740-plus. VA loans have no set minimum from the VA, but most lenders look for 580 to 620.

It depends on your loan program. FHA requires 3.5% down (about $18,300 on a $523,000 home). Conventional loans start at 3% for first-time buyers and 5% for repeat buyers. VA loans require zero down for eligible borrowers. New Hampshire Housing offers down payment assistance up to 4% of the loan amount.

Mortgage rates in Nashua change daily and depend on your credit score, loan program, loan-to-value ratio, and lock period. National 30-year fixed rates have ranged between 6% and 8% over the past year. For an accurate quote tied to your file, request a rate from a NextGen loan officer.

Most Nashua home purchases close in 30 to 45 days from accepted offer. Refinances typically close in 30 to 35 days. Timing depends on appraisal availability, document turnaround, and underwriting volume. We tell you upfront if your file has any items that could push the closing date.

Yes. We offer FHA loans with 3.5% down, conventional 97 loans with 3% down, and pair these with New Hampshire Housing’s Home Flex Plus and Home Preferred Plus programs, which provide up to 4% in down payment and closing cost help.

Yes. We offer rate-and-term refinances to lower your monthly payment or shorten your loan term, and cash-out refinances to tap equity for renovations, debt payoff, or other goals. With Nashua home values up significantly over the past several years, many local homeowners have meaningful equity.