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that’s right for you.
Unlock Low Rates with Ease
Discover how Geovanne Colon simplifies the mortgage qualification process for you.
Apply today for the mortgage
that’s right for you.
Unlock Low Rates with Ease
Discover how Geovanne Colon simplifies the mortgage qualification process for you.
Low Rate.
Zero Hassles.
Get a free quote
Low Rate.
Zero Hassles.
Get a free quote
Feel Overwhelmed by Mortgage Choices? I Understand.
Feeling Lost in a Sea of Mortgage Options? Finding the right mortgage can be a daunting task. With an overwhelming array of rates, terms, and lenders, it's easy to feel lost and uncertain. Are you worried about high interest rates, hidden fees, or choosing a mortgage that doesn't fit your long-term goals?
Welcome to Your Gateway to Home Ownership
Embark on a seamless journey towards your dream home with Geovanne Colon, your trusted ally in mortgage solutions. With years of expertise and a commitment to securing the lowest rates, my mission is to transform the complex landscape of home financing into a simplified, transparent path leading straight to the keys of your new home.
Why Choose Us?
Ready to Start?
Your perfect home won't wait forever, and neither should you. Begin your journey today with a loan officer that puts you first. By choosing us, you're not just getting a loan – you're gaining a lifelong partner in all your mortgage endeavors.
Start your no-obligation consultation now and join the myriad of satisfied homeowners who have unlocked the doors to their future with ease and confidence. Dive into our world of simplified lending, and let's turn your homeownership dreams into reality.
Welcome Home!
Loan Programs We Help With
Seamless Solutions, Limitless Possibilities
Residential Mortgage Programs
1. FHA Loans
Federal Housing Administration (FHA) Loans
• Suitable for first-time homebuyers
• Low down payment options (as low as 3.5%)
• Requires mortgage insurance
• Lenient credit scores accepted
• 203K Renovation Loans Available
2. Conventional Loans
Conventional Mortgage Loans
• Preferred by borrowers with stronger credit
• Down payments as low as 3%
• Available in fixed or adjustable rates
• No government insurance premiums
• HomeStyle Renovation Loan Available
3. USDA Loans
US Department of Agriculture (USDA) Loans
• Ideal for eligible rural and suburban homebuyers
• Zero down payment
• Low insurance costs
• Income and geographic restrictions apply
4. VA Loans
Veterans Affairs (VA) Mortgage Loans
• Exclusively for veterans, active-duty service members, and eligible spouses
• No down payment required
• No mortgage insurance needed
• Competitive interest rates
A. ITIN - No Social Security Loans
• For borrowers with an Individual Tax Identification Number
• Lacks Social Security number
B. 1099 Loans
• Designed for independent contractors or self-employed individuals
• Based on the 1099 tax form income
C. VOE Only
• Verification of employment as the primary source of income validation
D. Asset Depletion
• Utilizes borrower's liquid assets for qualification purposes
E. Bank Statement Loans
• Income based on bank statements, suitable for self-employed borrowers
F. DSCR - Investor No Income Verification
• For real estate investors, using property cash flow as a qualification metric
Non-Qualified Mortgage (Non-QM) Loans
Loan Programs We Help With
Seamless Solutions, Limitless Possibilities
Residential Mortgage Programs
1. FHA Loans
Federal Housing Administration (FHA) Loans
• Suitable for first-time homebuyers
• Low down payment options (as low as 3.5%)
• Requires mortgage insurance
• Lenient credit scores accepted
2. Conventional Loans
Conventional Mortgage Loans
• Preferred by borrowers with stronger credit
• Down payments as low as 3%
• Available in fixed or adjustable rates
• No government insurance premiums
3. USDA Loans
US Department of Agriculture (USDA) Loans
• Ideal for eligible rural and suburban homebuyers
• Zero down payment
• Low insurance costs
• Income and geographic restrictions apply
4. VA Loans
Veterans Affairs (VA) Loans
• Exclusively for veterans, active-duty service members, and eligible spouses
• No down payment required
• No mortgage insurance needed
• Competitive interest rates
Non-Qualified Mortgage (Non-QM) Loans
A. ITIN - No Social Security Loans
• For borrowers with an Individual Tax Identification Number
• Lacks Social Security number
B. 1099 Loans
• Designed for independent contractors or self-employed individuals
• Based on the 1099 tax form income
C. VOE Only
• Verification of employment as the primary source of income validation
D. Asset Depletion
• Utilizes borrower's liquid assets for qualification purposes
E. Bank Statement Loans
• Income based on bank statements, suitable for self-employed borrowers
F. DSCR - Investor No Income Verification
• For real estate investors, using property cash flow as a qualification metric
More Loan Programs
Foreign National Loans
• Tailored for non-U.S. citizens looking to buy investment or vacation properties in the U.S.
• May require larger down payments and proof of foreign income.
Jumbo Loans
• Exceed the loan limits set by the FHFA for conventional mortgages.
• Requires non-traditional underwriting to accommodate the larger loan amount.
Real Estate Investor Loans
• Customized loans for experienced real estate investors.
• Can include options for multiple properties under a single loan (blanket loans).
Non-Warrantable Condo Loans
• For condos that do not meet specific requirements by Fannie Mae or Freddie Mac.
• Necessary for financing condos in buildings with more owner-occupied spaces or litigation issues.
Credit Event Loans
• Available to borrowers with significant derogatory credit events, such as bankruptcy or foreclosure.
• Typically requires a higher down payment or additional reserves.
Hard Money/Private Lending
•For immediate or short-term financing needs
• Higher-cost, short-term loans
• Asset-based lending criteria
• Terms typically around 12 months
Fix and Flips
• Loans crafted for renovating and flipping properties
Commercial Loans
•Tailored for businesses to purchase or refinance commercial property
• Offering solutions for office buildings, retail spaces, and industrial properties
• Custom terms to align with business strategies
New Construction
• Financing for ground-up construction projects
Small Business Administration (SBA) Loans
• Federally backed to help start or grow a business
• Lower down payments
• Longer repayment terms
• Focused on small businesses
Bridge Loans
• Short-term loans to bridge the gap during transitional periods
Down Payment Assistance Programs
• Provides prospective homebuyers with loans or grants that they can use toward the down payment for a house.
• Most down payment assistance programs are designed for first-time homebuyers and offered by various institutions, such as government, non-profits, or lenders.
More Loan Programs
Foreign National Loans
• Tailored for non-U.S. citizens looking to buy investment or vacation properties in the U.S.
• May require larger down payments and proof of foreign income.
Jumbo Loans
• Exceed the loan limits set by the FHFA for conventional mortgages.
• Requires non-traditional underwriting to accommodate the larger loan amount.
Real Estate Investor Loans
• Customized loans for experienced real estate investors.
• Can include options for multiple properties under a single loan (blanket loans).
Non-Warrantable Condo Loans
• For condos that do not meet specific requirements by Fannie Mae or Freddie Mac.
• Necessary for financing condos in buildings with more owner-occupied spaces or litigation issues.
Credit Event Loans
• Available to borrowers with significant derogatory credit events, such as bankruptcy or foreclosure.
• Typically requires a higher down payment or additional reserves.
Hard Money/Private Lending
•For immediate or short-term financing needs
• Higher-cost, short-term loans
• Asset-based lending criteria
• Terms typically around 12 months
Fix and Flips
• Loans crafted for renovating and flipping properties
Commercial Loans
•Tailored for businesses to purchase or refinance commercial property
• Offering solutions for office buildings, retail spaces, and industrial properties
• Custom terms to align with business strategies
New Construction
• Financing for ground-up construction projects
Small Business Administration (SBA) Loans
• Federally backed to help start or grow a business
• Lower down payments
• Longer repayment terms
• Focused on small businesses
Bridge Loans
• Short-term loans to bridge the gap during transitional periods
Down Payment Assistance Programs
• Provides prospective homebuyers with loans or grants that they can use toward the down payment for a house.
• Most down payment assistance programs are designed for first-time homebuyers and offered by various institutions, such as government, non-profits, or lenders.
Who We Help?
Seamless Solutions, Limitless Possibilities
First Time Home Buyers
We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!
Move Up and Second Home Buyers
Buying a new home when you currently own one has it's own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.
Refinancing Home Owners
If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take some cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best deal possible.
Investment Buyers
If you're buying real estate for investment purposes, we can help you secure low rate financing to maximize your ROI.
Seniors Seeking Reverse Mortgages
If you are 62 years or older and are looking for options to stay in your home without a mortgage payment or to access your home's equity while still living there, I can answer your questions about reverse mortgages so you can decide if they are right for you.
What My Clients Say
Ready to Find Your Perfect Mortgage?
Are You A First Time Home Buyer?
Download Our Free Home Buyer's Guide
Other Resources You'll Find Helpful
Buyer's Guide for Real Estate Agent
(English)
Buyer's Guide for Real Estate Agent
(Spanish)
Seller's Guide for Real Estate Agent
(English)
Seller's Guide for Real Estate Agent
(Spanish)
Calculate Your Mortgage Payment
Our Blogs
NH Mortgage Broker: New Hampshire Home Loans & Brokers Lender
NH Mortgage Broker: New Hampshire Home Loans & Brokers Lender
Are you searching for the best New Hampshire home loans? Look no further! As a leading NH mortgage broker, we specialize in connecting you with the perfect mortgage lender to finance your dream home. Whether you're buying your first home or looking to refinance, our team ensures a smooth and secure process. Discover competitive mortgage rates and personalized service tailored to your needs.
About NH Mortgage Lending
What Mortgage Brokers Do
Mortgage brokers, especially in New Hampshire, act as intermediaries between you and various mortgage lenders. A mortgage broker works to find the best home loan options, saving you time and effort. This service helps streamline the home purchase process, providing a comprehensive review of available programs. With a mortgage broker from Blue Water Mortgage, securing the right financing becomes a reality.
Benefits for Borrowers
Borrowers benefit significantly from using a New Hampshire mortgage broker. We offer access to multiple lenders, potentially securing lower mortgage rates and better loan terms can be achieved through a bank.. Our expertise provides a clear explanation of different loan programs, helping you make an informed decision. This approach is especially helpful for first-time home buyers navigating the complexities of home loans.
Importance of Experience in NH Lending
Experience is crucial when choosing a mortgage lender in New Hampshire. A seasoned mortgage lender understands the local real estate market and can navigate its unique challenges. This experience ensures that you receive professional guidance and a loan program tailored to your specific situation, whether it's a home purchase or refinance. Trust a lender with a proven track record for secure financing.
Loan Program Overview
Conventional Loans
Conventional loans are a popular choice for New Hampshire home buyers with good credit and a solid down payment. These loans are not insured by the government, offering flexibility and a unique path to ownership. competitive mortgage rates. Securing a conventional loan often requires a thorough credit review to ensure you meet the lender's requirements, making homeownership a reality.
FHA and VA Loans
FHA and VA loans are excellent options for eligible New Hampshire residents. These loans cater to different needs and circumstances, offering specific advantages for home ownership:
FHA loans, insured by the Federal Housing Administration, are ideal for first-time home buyers with smaller down payments, facilitating home ownership.
VA loans, backed by the Department of Veterans Affairs, offer benefits for veterans and active-duty service members, making home ownership more accessible with favorable terms.
USDA and Jumbo Loans
USDA and jumbo loans are specialized programs designed to meet specific financing needs. These programs include:
USDA loans, which support homeownership in eligible rural areas of New Hampshire.
Jumbo loans, which cater to high-value properties.
Understanding these options ensures a comprehensive approach to finding the right fit for various potential homeowners.
Refinance Programs
Refinance programs offer several benefits to homeowners in New Hampshire. They can help you:
Lower your mortgage rates
Reduce monthly payments
Tap into your home equity
Whether you're looking to shorten your loan term or consolidate debt, refinance options can improve your financial situation. A review of current refinance rates helps determine the best strategy for your needs, ensuring financial security.
First-Time Homebuyer Loans
New Hampshire offers several loan programs specifically designed for first-time home buyers. These programs often include lower down payments, reduced mortgage rates, and assistance with closing costs. Aiming to make homeownership more accessible, these programs help navigate the complexities of the first home purchase, providing a clear path to securing your residential property.
Market-Specific Insight
Real Estate Trends in Manchester, Nashua, Concord, and Portsmouth
Understanding real estate trends in Manchester, Nashua, Concord, and Portsmouth is crucial for making informed decisions. As a mortgage broker in New Hampshire (NH), we review these trends to guide our customers. The purchase of a home is a significant factor in home ownership. financial decision, and knowing the market dynamics can ensure you secure the best possible financing.
Tax Benefits of Homeownership in New Hampshire
Homeownership in New Hampshire (NH) comes with several tax benefits. As your mortgage broker, we explain how these advantages can improve your financial situation. Understanding these incentives can make homeownership more affordable and help you secure your dream home. This information helps you make an informed decision when buying a new home.
Current Mortgage Rate Environment
The current mortgage rate environment in New Hampshire (NH) is constantly evolving. Mortgage rates influence your monthly payment and overall cost of the loan. A review of refinance rates can help you refinance and potentially lower your monthly payment. We provide expert guidance to help you navigate these changes and secure the best rate for your home loans.
Who This Helps
First-Time Buyers
Our services are tailored to help first-time home buyers navigate the complexities of the mortgage process in New Hampshire (NH). We offer loan programs designed to make homeownership a reality, including options with lower down payments. Let us guide you through each step, from pre-approval to securing the financing for your first home.
Self-Employed Borrowers
Self-employed borrowers in New Hampshire (NH) often face unique challenges when seeking home loans. As an experienced mortgage broker, we specialize in finding loan programs that cater to your specific needs. We work with various lenders in New Hampshire to ensure you secure competitive mortgage rates and favorable terms, making homeownership a reality.
Veterans and High-Income Borrowers
We provide specialized services for online mortgage applications. loan programs for veterans and high-income borrowers in New Hampshire (NH). For veterans, we offer expertise in VA loans, making the home purchase process easier for securing a mortgage online. High-income borrowers benefit from our knowledge of jumbo loans and other banks financing options, ensuring you secure the financing you need for your dream home.
Understanding Mortgage Rates
How Mortgage Rates Affect Monthly Payments
Understanding how mortgage rates affect your monthly payment is crucial when buying a new home in New Hampshire (NH). Lower mortgage rates translate to lower monthly payments, making homeownership more affordable. It's essential to review various rates from different lenders in New Hampshire to secure the best possible terms. Use a mortgage calculator to estimate your payments at different rates.
Strategies for Securing Competitive Rates
To secure competitive mortgage rates in New Hampshire (NH), it's important to improve your credit score and save for a larger down payment. Work with a mortgage broker to compare rates from multiple lenders in New Hampshire. Consider refinance rates to potentially lower your rate if you already own a home. Being proactive can help you find the best financing for your needs.
Call to Action
Ready to Apply for a Home Loan?
Ready to begin the home loan process in New Hampshire? As a dedicated NH mortgage broker, we offer professional service to guide you through every step. Whether you're interested in a refinance or purchasing your first home, our team is here to ensure you secure the best mortgage rates and loan programs available. Contact us today to review your options.
Contact Us for a Fast Mortgage Pre-Approval
Contact us today for a fast mortgage pre-approval and custom rate quote at [email protected] or 617-821-1757. Our team of experienced mortgage lenders in New Hampshire (NH) is ready to guide you through the home purchase process. As your trusted mortgage broker, we offer personalized service to ensure you secure the financing you need for your dream home.
Frequently Asked Questions
Do I Need Pre-Approval to Buy in NH?
Yes, pre-approval is highly recommended when buying a home in New Hampshire (NH). Pre-approval shows sellers that you are a serious customer and have the financial means to purchase the property. As your mortgage broker, we can guide you through the pre-approval process and help you secure the best mortgage rates for home ownership.
What is the Minimum Down Payment in New Hampshire?
The minimum down payment in New Hampshire (NH) varies depending on the loan program. Conventional loans may require a down payment of 5% to 20%, while FHA loans can go as low as 3.5%. Some banks offer unique loan products for veterans. loan programs, like online applications VA loans, offer the possibility of no down payment. As your mortgage broker, we can help you review your options.
What are Cash-Out Refinance Options?
Cash-out refinance options allow New Hampshire (NH) home owners to tap into their home equity by refinancing their mortgage for a larger loan amount than what they currently owe. The difference is received in your ability to approve loans faster. cash. This option can be used for home improvements, debt consolidation, or other financial needs. As a mortgage broker, we can guide you through the process.
NH Mortgage Broker: New Hampshire Home Loans & Brokers Lender
NH Mortgage Broker: New Hampshire Home Loans & Brokers Lender
Are you searching for the best New Hampshire home loans? Look no further! As a leading NH mortgage broker, we specialize in connecting you with the perfect mortgage lender to finance your dream home. Whether you're buying your first home or looking to refinance, our team ensures a smooth and secure process. Discover competitive mortgage rates and personalized service tailored to your needs.
About NH Mortgage Lending
What Mortgage Brokers Do
Mortgage brokers, especially in New Hampshire, act as intermediaries between you and various mortgage lenders. A mortgage broker works to find the best home loan options, saving you time and effort. This service helps streamline the home purchase process, providing a comprehensive review of available programs. With a mortgage broker from Blue Water Mortgage, securing the right financing becomes a reality.
Benefits for Borrowers
Borrowers benefit significantly from using a New Hampshire mortgage broker. We offer access to multiple lenders, potentially securing lower mortgage rates and better loan terms can be achieved through a bank.. Our expertise provides a clear explanation of different loan programs, helping you make an informed decision. This approach is especially helpful for first-time home buyers navigating the complexities of home loans.
Importance of Experience in NH Lending
Experience is crucial when choosing a mortgage lender in New Hampshire. A seasoned mortgage lender understands the local real estate market and can navigate its unique challenges. This experience ensures that you receive professional guidance and a loan program tailored to your specific situation, whether it's a home purchase or refinance. Trust a lender with a proven track record for secure financing.
Loan Program Overview
Conventional Loans
Conventional loans are a popular choice for New Hampshire home buyers with good credit and a solid down payment. These loans are not insured by the government, offering flexibility and a unique path to ownership. competitive mortgage rates. Securing a conventional loan often requires a thorough credit review to ensure you meet the lender's requirements, making homeownership a reality.
FHA and VA Loans
FHA and VA loans are excellent options for eligible New Hampshire residents. These loans cater to different needs and circumstances, offering specific advantages for home ownership:
FHA loans, insured by the Federal Housing Administration, are ideal for first-time home buyers with smaller down payments, facilitating home ownership.
VA loans, backed by the Department of Veterans Affairs, offer benefits for veterans and active-duty service members, making home ownership more accessible with favorable terms.
USDA and Jumbo Loans
USDA and jumbo loans are specialized programs designed to meet specific financing needs. These programs include:
USDA loans, which support homeownership in eligible rural areas of New Hampshire.
Jumbo loans, which cater to high-value properties.
Understanding these options ensures a comprehensive approach to finding the right fit for various potential homeowners.
Refinance Programs
Refinance programs offer several benefits to homeowners in New Hampshire. They can help you:
Lower your mortgage rates
Reduce monthly payments
Tap into your home equity
Whether you're looking to shorten your loan term or consolidate debt, refinance options can improve your financial situation. A review of current refinance rates helps determine the best strategy for your needs, ensuring financial security.
First-Time Homebuyer Loans
New Hampshire offers several loan programs specifically designed for first-time home buyers. These programs often include lower down payments, reduced mortgage rates, and assistance with closing costs. Aiming to make homeownership more accessible, these programs help navigate the complexities of the first home purchase, providing a clear path to securing your residential property.
Market-Specific Insight
Real Estate Trends in Manchester, Nashua, Concord, and Portsmouth
Understanding real estate trends in Manchester, Nashua, Concord, and Portsmouth is crucial for making informed decisions. As a mortgage broker in New Hampshire (NH), we review these trends to guide our customers. The purchase of a home is a significant factor in home ownership. financial decision, and knowing the market dynamics can ensure you secure the best possible financing.
Tax Benefits of Homeownership in New Hampshire
Homeownership in New Hampshire (NH) comes with several tax benefits. As your mortgage broker, we explain how these advantages can improve your financial situation. Understanding these incentives can make homeownership more affordable and help you secure your dream home. This information helps you make an informed decision when buying a new home.
Current Mortgage Rate Environment
The current mortgage rate environment in New Hampshire (NH) is constantly evolving. Mortgage rates influence your monthly payment and overall cost of the loan. A review of refinance rates can help you refinance and potentially lower your monthly payment. We provide expert guidance to help you navigate these changes and secure the best rate for your home loans.
Who This Helps
First-Time Buyers
Our services are tailored to help first-time home buyers navigate the complexities of the mortgage process in New Hampshire (NH). We offer loan programs designed to make homeownership a reality, including options with lower down payments. Let us guide you through each step, from pre-approval to securing the financing for your first home.
Self-Employed Borrowers
Self-employed borrowers in New Hampshire (NH) often face unique challenges when seeking home loans. As an experienced mortgage broker, we specialize in finding loan programs that cater to your specific needs. We work with various lenders in New Hampshire to ensure you secure competitive mortgage rates and favorable terms, making homeownership a reality.
Veterans and High-Income Borrowers
We provide specialized services for online mortgage applications. loan programs for veterans and high-income borrowers in New Hampshire (NH). For veterans, we offer expertise in VA loans, making the home purchase process easier for securing a mortgage online. High-income borrowers benefit from our knowledge of jumbo loans and other banks financing options, ensuring you secure the financing you need for your dream home.
Understanding Mortgage Rates
How Mortgage Rates Affect Monthly Payments
Understanding how mortgage rates affect your monthly payment is crucial when buying a new home in New Hampshire (NH). Lower mortgage rates translate to lower monthly payments, making homeownership more affordable. It's essential to review various rates from different lenders in New Hampshire to secure the best possible terms. Use a mortgage calculator to estimate your payments at different rates.
Strategies for Securing Competitive Rates
To secure competitive mortgage rates in New Hampshire (NH), it's important to improve your credit score and save for a larger down payment. Work with a mortgage broker to compare rates from multiple lenders in New Hampshire. Consider refinance rates to potentially lower your rate if you already own a home. Being proactive can help you find the best financing for your needs.
Call to Action
Ready to Apply for a Home Loan?
Ready to begin the home loan process in New Hampshire? As a dedicated NH mortgage broker, we offer professional service to guide you through every step. Whether you're interested in a refinance or purchasing your first home, our team is here to ensure you secure the best mortgage rates and loan programs available. Contact us today to review your options.
Contact Us for a Fast Mortgage Pre-Approval
Contact us today for a fast mortgage pre-approval and custom rate quote at [email protected] or 617-821-1757. Our team of experienced mortgage lenders in New Hampshire (NH) is ready to guide you through the home purchase process. As your trusted mortgage broker, we offer personalized service to ensure you secure the financing you need for your dream home.
Frequently Asked Questions
Do I Need Pre-Approval to Buy in NH?
Yes, pre-approval is highly recommended when buying a home in New Hampshire (NH). Pre-approval shows sellers that you are a serious customer and have the financial means to purchase the property. As your mortgage broker, we can guide you through the pre-approval process and help you secure the best mortgage rates for home ownership.
What is the Minimum Down Payment in New Hampshire?
The minimum down payment in New Hampshire (NH) varies depending on the loan program. Conventional loans may require a down payment of 5% to 20%, while FHA loans can go as low as 3.5%. Some banks offer unique loan products for veterans. loan programs, like online applications VA loans, offer the possibility of no down payment. As your mortgage broker, we can help you review your options.
What are Cash-Out Refinance Options?
Cash-out refinance options allow New Hampshire (NH) home owners to tap into their home equity by refinancing their mortgage for a larger loan amount than what they currently owe. The difference is received in your ability to approve loans faster. cash. This option can be used for home improvements, debt consolidation, or other financial needs. As a mortgage broker, we can guide you through the process.
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South Wind Financial, Inc.
Mortgage Broker Lic #MB9462
Branch NMLS #86116
1356 Atwood Ave. Johnston, RI 02919
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