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Tamworth, NH

The Best Mortgage Lenders in Tamworth, NH

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

3
Top Lenders
4.8
Avg Rating
650+
Reviews
9
Loan Types

Available Loan Programs in Tamworth

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Investment Properties

Featured Mortgage Lenders

1

Northway Bank Mortgage Team

Northway Bank

★★★★☆
4.8/5

Northway Bank stands as Tamworth's local community banking leader with over 130 years of service to the region. Their Tamworth branch provides personalized mortgage services with deep understanding of local property markets in Carroll County and the White Mountains region. They offer competitive rates with the advantage of local decision-making and long-term relationship banking. Their mortgage team specializes in both primary residences and vacation properties, which are common in the Tamworth area, and provides exceptional customer service with extensive knowledge of rural property financing options including USDA loans.

Experience:15 years
Reviews:150 customer reviews
9 Main Street, Tamworth, NH 03886

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

The Mortgage Specialist, Inc.

The Mortgage Specialist, Inc.

★★★★☆
4.9/5

Serving the Mount Washington Valley and surrounding areas including Tamworth for over 25 years, The Mortgage Specialist has built an outstanding reputation for exceptional service and competitive rates. As a local mortgage brokerage, they work with multiple lenders to find the best terms for each borrower's unique situation. They specialize in helping buyers navigate the unique challenges of rural New Hampshire properties and have extensive experience with both primary residences and vacation homes common in the Tamworth area. Their high customer satisfaction ratings reflect their commitment to guiding clients through the entire mortgage process.

Experience:25 years
Reviews:200 customer reviews
95 Washington Street, Suite 211, Conway, NH 03818

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceInvestment Properties
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3

Movement Mortgage

Movement Mortgage, LLC

★★★★☆
4.7/5

Movement Mortgage has established a strong presence throughout New Hampshire with local loan officers who specialize in serving the North Country and Lakes Region communities including Tamworth. They combine national lending power with local expertise, offering competitive rates and streamlined digital processes. Their "Upfront Underwriting" process often results in faster closings, which is particularly valuable in competitive rural markets. With extensive experience in both conventional and government-backed loans, they're well-equipped to handle the diverse property types found in the Tamworth area, from primary residences to mountain vacation properties.

Experience:12 years
Reviews:300 customer reviews
Serving Tamworth and surrounding communities

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceFirst-time Homebuyer
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Frequently Asked Questions

Common questions about mortgage lending in Tamworth, NH

Are there any first-time homebuyer assistance programs specific to Tamworth or Carroll County?

Yes, the New Hampshire Housing Finance Authority (NHHFA) offers statewide programs like Home Flex Plus, which provides competitive interest rates and down payment assistance. While not exclusive to Tamworth, these programs are highly relevant for buyers in this area, where median incomes may be lower than the state average. It's also wise to check with local lenders about any community-specific grants or credits.

How do Tamworth's property types, like older homes or rural land, affect the mortgage process?

Purchasing an older home in Tamworth's historic village or a property with significant acreage can impact your loan. Lenders may require specialized inspections (like septic or well for rural properties) and potentially have stricter appraisal requirements. For large land parcels, some conventional loans have acreage limits, so you may need to explore rural development or portfolio loan options.

What are typical mortgage rates and closing costs for buyers in Tamworth, NH?

Mortgage rates in Tamworth align with national averages but can vary slightly between local community banks and larger lenders. Closing costs in New Hampshire typically range from 2% to 5% of the loan amount. A local factor is the high prevalence of private wells and septic systems, which often require specific water quality tests and inspections that add to upfront costs.

Does Tamworth's status as a resort town in the White Mountains affect mortgage lending?

It can, particularly for properties intended as second homes or short-term rentals. Lenders have different (often stricter) requirements for non-primary residences, including higher down payments and interest rates. If you're buying a primary residence, be prepared to demonstrate your intent to live there year-round, as the market has a significant inventory of vacation properties.

Are USDA Rural Development loans a viable option for mortgages in Tamworth?

Absolutely. Most of Tamworth and the surrounding area is eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This is an excellent program for eligible buyers seeking a primary residence in this rural community, as it can make homeownership more accessible given the area's lower population density and income levels.

Nearby Cities

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Why Choose a Mortgage Lender in Tamworth?

Local Market Knowledge

Lenders who understand Tamworth'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 Tamworth and get competitive rates on your home loan.