Find your starting point.
Plan the full monthly payment, cash to close and the questions to ask before you start touring homes.
Start your homebuying plan →BUYING OR REFINANCING IN MA & NH
Your next home move starts with a conversation.
You don’t need every answer before you reach out. Tell us what you’re planning, ask your questions, and take the next step toward buying or refinancing.
Request contact →Local guidance for Massachusetts and New Hampshire. Choose English or Portuguese for follow-up.
NH Mortgage Journal publishes guidance and collects contact requests. Financing advice, loan terms and approval come from the mortgage company handling your inquiry.
LET’S TALK ABOUT YOUR NEXT STEP
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Open the contact form separately →WHAT ARE YOU PLANNING?
A clearer path for your next move.
See what’s worth comparing.
A lower payment is one piece of the decision. Compare costs, timing and your remaining loan term.
Plan your refinance conversation →KEEP AN EYE ON THE MARKET
Mortgage rate watch
National weekly averages · October 22, 2026
30-year fixed7.32%Previous week: 7.40%
15-year fixed6.68%Previous week: 6.71%
A starting point for a conversation.
These are national purchase-mortgage averages, not MA or NH quotes, APRs or refinance offers. Your rate and costs depend on the lender, loan and your circumstances.
Source: Freddie Mac’s Primary Mortgage Market Survey®. This dated snapshot is reviewed when the site is updated.
See the latest weekly release and history ↗PUT THE PAYMENT IN PERSPECTIVE
Try a purchase payment illustration.
Adjust the price, down payment and assumed rate to see how principal and interest change. Then talk through the rest of the budget, including taxes, insurance and closing costs.
Talk about your plans →Purchase payment illustration
30-year fixed principal and interest only. The rate is an editable assumption, not a current quote.
$2,275per month · principal and interest only
Excludes property taxes, insurance, mortgage insurance, association fees, maintenance and closing costs. Does not estimate refinance savings or establish eligibility for any down payment.
Request contact →The contact form does not receive or preserve this illustration.
HELPFUL READING, WHEN YOU NEED IT
The guide library
Practical answers about credit, closing costs, assistance and buying locally.
Local home search
Manchester homes and the choice between a mill area condo and a house
Drawn to Manchester's mill architecture, or imagining a house with room outdoors? Use the Millyard and the city's parks to explore the setting, then compare the parking, shared-building obligations and maintenance behind each actual property.
Read guide →
Local home search
Homes in Nashua NH and how to choose where to look
A walk along Main Street, time at Mine Falls or a house within reach of Greeley Park—which Nashua would you use every week? Explore the local landmarks, home types and everyday routes that can help you turn a long list of listings into a practical shortlist.
Read guide →
Local home search
Best places to live in Merrimack NH and how to compare the options
Reeds Ferry, Souhegan Village, Thorntons Ferry and South Merrimack give you four historic names to start a home search. Our Merrimack guide connects those names with parks, daily routes and the property questions that help you decide where to look.
Read guide →
Local home search
Buying a home in Hudson NH with river crossings and parks in mind
Benson Park might draw you to Hudson, but the trip from the driveway to your regular destinations deserves its own test. Explore river crossings, outdoor stops and the questions that help you judge a home through an ordinary weekday.
Read guide →
Local home search
Hollis and Brookline homes and the responsibilities of a rural property
Stone walls, village character and a little more space can make Hollis and Brookline appealing places to explore. Before you choose the yard, look at the driveway, water and wastewater arrangements, usable land and the work that would become yours.
Read guide →
Local home search
Milford or Amherst homes and the choice between village centers and Route 101A
Milford's Oval, Amherst's village setting and errands along Route 101A offer different starting points for a home search. Compare the architecture you enjoy with parking, practical routes and the questions an older house may bring.
Read guide →
Local home search
Derry and Londonderry homes near village centers and orchard landscapes
Robert Frost Farm and orchard landscapes give Derry and Londonderry a memorable place in a weekend visit. Take the next step and compare the roads, errands, property details and ordinary-day routines behind a home search there.
Read guide →Massachusetts assistance
MassHousing and ONE Mortgage: understand down payment assistance
Separate second mortgages from grants, check current program terms and prepare the right eligibility questions.
Read guide →New Hampshire assistance
New Hampshire down payment assistance: check repayment before you apply
Understand NH Housing assistance, the second mortgage and the questions to ask before a purchase or refinance.
Read guide →New Hampshire assistance
New Hampshire Housing programs: a buyer preparation checklist
How to check the applicable program, income limits, property rules and required cash without relying on an outdated eligibility table.
Read guide →Budgeting across states
MA or NH: compare the full cost of the actual home
Build a property-specific budget with taxes, insurance, commuting and maintenance instead of a statewide affordability shortcut.
Read guide →Relocation
Moving from Massachusetts to New Hampshire: prepare the mortgage file
Coordinate employment, occupancy, deposits and closing dates before making a cross-state purchase.
Read guide →Down payment basics
3% down and 3.5% down: different loans, different total costs
Separate low-down-payment conventional options, FHA, mortgage insurance and cash needed at closing.
Read guide →Credit preparation
Mortgage credit questions for buyers in Massachusetts and New Hampshire
Why a single score does not answer the approval question, and how to ask about program rules and lender requirements.
Read guide →New Hampshire credit
New Hampshire mortgage credit review: product rules and lender overlays
Prepare for credit review without relying on universal score thresholds or a promised best rate.
Read guide →Closing costs
New Hampshire closing costs: build an itemized cash-to-close plan
Understand lender charges, settlement services, prepaid items and the difference between fees and total cash required.
Read guide →Local buying checklist
Buying in Concord, NH: verify costs and property eligibility
Questions about the actual address, inspections, taxes and loan product to resolve before making an offer.
Read guide →Local buying checklist
Portsmouth coastal buying: insurance, property condition and loan size
Compare address-specific insurance and financing before assuming a high purchase price requires a jumbo loan.
Read guide →Local buying checklist
Hanover and the Upper Valley: prepare a property and income review
Plan employment documentation, ownership costs and a realistic timeline without relying on unverified specialist-loan claims.
Read guide →Prefere conversar em português?
Escolha português no formulário ou visite Casa em Português para ler os guias de compra e refinanciamento.
Let’s start with your questions.
Buying, refinancing or still exploring? Request a call in your preferred language.
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