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Bethlehem, NH

The Best Mortgage Lenders in Bethlehem, NH

Compare verified mortgage lenders serving Bethlehem, New Hampshire. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
560+
Reviews
12
Loan Types

Available Loan Programs in Bethlehem

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
First-time Homebuyer
Home Equity
Fixed-rate
Adjustable-rate
Lot

Featured Mortgage Lenders

1

Mortgage Solutions of New Hampshire

Mortgage Solutions of New Hampshire

★★★★☆
4.9/5

Mortgage Solutions of New Hampshire is consistently ranked among the top mortgage lenders in the state, serving all regions including the North Country and Bethlehem area. With nearly two decades of experience, they specialize in navigating the unique mortgage needs of New Hampshire residents, including rural properties common in the White Mountains region. Their exceptional 4.9-star rating across multiple review platforms reflects their commitment to personalized service, competitive rates, and deep understanding of local market conditions. They are particularly praised for their expertise with USDA loans, which are relevant for many properties in the Bethlehem area.

Experience:18 years
Reviews:185 customer reviews
80 Stark Street, Manchester, NH 03101

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstructionFirst-time Homebuyer
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2

Northway Bank

Northway Bank

★★★★☆
4.7/5

Northway Bank has been serving the North Country communities including Bethlehem for over a century, with a physical branch conveniently located in nearby Littleton. As a community-focused bank with deep roots in the region, they offer personalized mortgage services with local decision-making authority. Their 4.7-star rating reflects their reliability and exceptional customer service for both primary homes and vacation properties common in the White Mountains area. With extensive experience in construction loans and mountain property financing, they understand the specific challenges and opportunities of the Bethlehem real estate market.

Experience:130 years
Reviews:210 customer reviews
9 Main Street, Littleton, NH 03561

Loan Types:

ConventionalFHAVAConstructionHome EquityRefinanceFixed-rateAdjustable-rate
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3

Merrimack County Savings Bank

Merrimack County Savings Bank

★★★★☆
4.8/5

Merrimack County Savings Bank, operating as The Bank of New Hampshire, has served the entire state including the North Country and Bethlehem area for over 150 years. With their Plymouth branch conveniently located south of Bethlehem, they offer comprehensive mortgage services with a strong focus on community banking values. Their 4.8-star rating demonstrates consistent customer satisfaction and reliability. They are particularly strong in construction and lot loans, which are valuable for the developing areas around Bethlehem, and their local underwriting expertise ensures smooth transactions for mountain properties and rural homes.

Experience:150 years
Reviews:165 customer reviews
13 Main Street, Plymouth, NH 03264

Loan Types:

ConventionalFHAVAUSDAConstructionLotRefinanceFirst-time Homebuyer
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Frequently Asked Questions

Common questions about mortgage lending in Bethlehem, NH

Are mortgage rates in Bethlehem, NH, typically higher than the national average due to its rural location?

Not necessarily; rates are primarily set by national markets and your personal credit profile. However, some local lenders in the North Country may offer competitive rates to attract business in a smaller market. It's wise to compare offers from both local community banks, like Northway Bank, and larger national lenders to find the best rate for your situation.

What local or state programs can help first-time homebuyers in Bethlehem afford a home?

New Hampshire Housing offers several key programs, including the Home Flex Plus loan with competitive rates and down payment assistance, which is accessible to buyers in Bethlehem. Additionally, their Home Start program provides a 3% to 4% grant for down payment and closing costs. These programs have income and purchase price limits that are well-suited for the Bethlehem area's market.

How does the prevalence of older homes in Bethlehem affect the mortgage process?

It makes a thorough home inspection and appraisal critical. Lenders may require specific repairs for older homes (common in Bethlehem's historic inventory) to meet safety and livability standards before loan approval. For significant renovations, you might explore a renovation loan like the FHA 203(k), which can be bundled with your mortgage.

Are there specific mortgage considerations for buying a vacation or second home in Bethlehem?

Yes. Bethlehem is a popular second-home market. Financing for a second home typically requires a higher down payment (often 10-20%) and a slightly higher interest rate than a primary residence. Lenders will also scrutinize your debt-to-income ratio more closely to ensure you can afford both mortgage payments.

How do property taxes in Bethlehem, NH, impact mortgage qualification and payments?

Coos County, where Bethlehem is located, has relatively low property tax rates compared to southern NH, which can help with debt-to-income ratio qualification. Your lender will use the specific tax rate for Bethlehem to calculate your estimated monthly escrow payment. It's important to get an accurate tax estimate, as properties are reassessed periodically.

Nearby Cities

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Why Choose a Mortgage Lender in Bethlehem?

Local Market Knowledge

Lenders who understand Bethlehem's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in New Hampshire.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Bethlehem and get competitive rates on your home loan.