New Hampshire Conventional Loan Built on Real Numbers
A New Hampshire Conventional Loan is shaped around your file - 3% down for qualified buyers, conforming math, PMI rules. We run the numbers honestly before any commitment, not a generic pitch.
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Why Conventional Fits Most New Hampshire Files
3% Down Conventional in New Hampshire
The 3% minimum exists but requires meeting program criteria. We confirm whether your file qualifies, or whether 5-10% fits your case better.
New Hampshire Rate Comparison: Conventional vs FHA
Conventional vs FHA depends on credit, down payment, and DTI. We model conventional, FHA, USDA, VA against your file and recommend based on real numbers.
PMI Cancels at 80 Percent on New Hampshire Loans
PMI on conventional exists only when needed and ends at clear thresholds. Auto-cancellation at 78% original value or earlier at 80% current value with an appraisal.
Our Rates For You
CONV 30 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
Your New Hampshire Conventional Roadmap
Three Real Wins From a New Hampshire Conventional Loan
New Hampshire Loan Amounts Within Conforming Limits
Conforming limits set by FHFA define the conventional ceiling. Most purchases land within conforming. We tell you whether your target falls inside, into high-balance, or into jumbo territory before quoting any rate.
New Hampshire Rate Structure Options
Conventional terms run 30-year, 15-year fixed, and ARMs at 5/6, 7/6, and 10/6. Long-term hold favors fixed. Planned move within seven years often favors ARM. We model both for your file - no template answer.
Primary, Second Home, and Investment Eligible in New Hampshire
Conventional covers primary residences, vacation homes, and rental investments. Rules differ by type. Primary at 3% for qualified buyers. Second home requires 10% minimum. Investment requires 15-25% with rate adjustments.
$810M
18 Years
27500+
Conventional vs Other Loans
Conventional
FHA
VA
USDA
For homes beyond standard loan limits.
High value homes should not mean high stress financing. A conventional loan with jumbo options offers competitive rates, simple terms, and a clear path to purchase without compromise.
What could you afford with a conventional loan
Before you fall for a listing, see how the math feels. Use the calculator to test price, down payment, and taxes for your county. You will know what is comfortable before you schedule tours.
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A New Hampshire Conventional Loan is funded privately under Fannie Mae or Freddie Mac rules - no government backing. Credit, down payment, and DTI determine terms. The 30-year fixed dominates New Hampshire files.
3% minimum for qualified buyers via HomeReady (Fannie Mae) or Home Possible (Freddie Mac). Standard conventional starts at 5%. 20% down removes PMI. We model 3%, 5%, 10%, and 20% on your file so the choice is based on real numbers.
Most conventional programs floor at 620 credit score. Lender overlays may set higher floors at 640 or 660. Below 620, FHA tends to fit better. We pull credit and explain which programs work for you.
78% LTV of original value triggers automatic PMI cancellation. Borrower request at 80% current value (with appraisal) accelerates removal. Once cancelled, PMI never returns - FHA MIP often runs forever.
Fixed gives stability; ARM gives lower initial pricing. ARM starts lower, then adjusts after 5, 7, or 10 years. Long-term hold favors fixed. Plan to move or refi before adjustment? ARM saves money.
FHFA's 2026 conforming limit lands at $806,500 for single-family in most U.S. counties. Loans above $806,500 cross into jumbo territory - different underwriting, different pricing. We confirm your loan size against the limit upfront.
Conventional financing applies to primary, second home, and investment. Primary residences hit 3% for qualified buyers. Second homes need 10% minimum. Investments require 15-25% with rate adjustments. We confirm your scenario first.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. No statement herein should be construed as being made on behalf of any state or federal agency.
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