Last Updated: 04/18/2025
New Hampshire FCU Conventional Mortgages
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Last Updated: 04/18/2025
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Highlights
Credit Score Range
Starting at 620
Amount Range
N/A
Loan Term (Years)
10 - 30
New Hampshire FCU Conventional Mortgages Review
New Hampshire FCU Conventional Mortgages is offered by New Hampshire Federal Credit Union (NMLS #440568), a credit union founded in 1941 and based in Concord, NH. New Hampshire FCU Conventional Mortgages are available in 50 states and Washington, DC.
Key Takeaways
- Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
- Standard interest rates types. New Hampshire FCU Conventional Mortgages only offers fixed-rate mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
- High maximum LTV ratio. New Hampshire FCU Conventional Mortgages has a maximum loan to value ratio of 95%, which is higher than average. Most lenders want you to have at least 20% equity.
- Fair credit accepted. Borrowers with a credit score as low as 620 may qualify for New Hampshire FCU Conventional Mortgages.
New Hampshire FCU Conventional Mortgages Pros & Cons
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New Hampshire FCU Conventional Mortgages FAQ
What is the maximum loan term you can get with New Hampshire FCU Conventional Mortgages?
New Hampshire FCU Conventional Mortgages offers mortgages with terms ranging from 10 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does New Hampshire Federal Credit Union offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, New Hampshire FCU Conventional Mortgages may charge a loan origination fee .
What property usage types does New Hampshire FCU Conventional Mortgages allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. New Hampshire FCU Conventional Mortgages allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for New Hampshire FCU Conventional Mortgages is (603) 224-7731.
What is the support contact email?
The support contact email for is myaccount@nhfcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
8:00AM - 12:00PM