Northway Bank. The Right Mortgage.
Whether you’re moving up, scaling down, looking for your first home, or adding a second, Northway Bank has your mortgage. Home loans come in all sorts of flavors, so the mortgage pros at Northway Bank will listen carefully before explaining your options - maybe some you hadn’t even considered. Free pre-qualifications are available to give you leverage when house hunting. Come talk to one of our Mortgage Professionals. Let us be your guide.
Purchase
Buying a home? Apply online, get pre-qualified, or contact a Northway mortgage professional.
Go to Purchase
Go to Purchase
Refinance
What to Expect
An overview of how the mortgage process works.
Go to What to Expect
Go to What to Expect
Contact a Loan Officer
Names, numbers, and locations for Northway's mortgage loan officers.
Pre-qualification
Know how much house you can afford before you start shopping. Apply online to get started:
- Create an account and complete the online application in approximately 20 minutes, or you can save your work and come back at any time.
- Once you submit your application, your information will be reviewed by a dedicated Northway Bank mortgage loan officer.
- Your mortgage loan officer will follow up with you and you will have the opportunity to ask any questions you may have.
- After the application is pre-qualified, a mortgage loan officer will issue you a pre-qualification letter that you can provide to a real estate agent once you begin looking for that right home.
Contact us today to see if you qualify for these special programs!
| Federal Housing Administration (FHA) |
Veteran Administration (VA) |
NH Housing Finance Authority (NHHFA) |
Rural Development Guaranteed Loans (RD) |
|---|---|---|---|
|
Purchase a home with up to 96.5% Loan-to-value. FHA Loans are great for buyers with lower down payments and are sometimes easier to qualify for than a conventional loan:
|
As a member of our Military Personnel, you are eligible for a special government insured VA Loan:
|
New Hampshire Housing offers a variety of mortgage products for low- to moderate-income households. Features include cash assistance for downpayment and closing costs, low PMI products, purchase/rehabilitation loans, and mortgage credit certificates (MCC) Homebuyer Tax Credit Program that can save buyers up to $2,000 on their taxes. Consult your tax advisor.
|
USDA Loans help put the American Dream within reach - Purchase a rural home with no money down
|
Mortgage Products
At Northway Bank, we offer a large variety of mortgage products to suit your lifestyle and budget.
| Fixed Rate Loans |
Adjustable Rate Loans |
Jumbo Loans |
Manufactured Home Loans |
|---|---|---|---|
| Lock your loan rate in for the life of the loan | Choose an adjustable loan rate option to fit your financing needs |
Financing options for loans above the maximum conforming loan limits |
Financing available for mobile home on its own land |
Mortgage loan Tools
Purchase checklist
You won’t need the items listed below to get pre-qualified or apply for a mortgage loan. Once you find the right home and submit your loan application, you will want to have the following items ready. The more information provided when you submit your loan application, the better equipped your loan officer will be to answer your questions and provide the high level of service you deserve. You will not be required to provide any of the items until after you have received a Loan Estimate and indicated your Intent to Proceed.
Standard Documentation
- 2-years W-2’s for all jobs
- 1-month of pay stubs (full 30-days)
- Must include employee name, employer name and YTD income amount
- 2-months complete bank statements
- All pages (even if blank) most recent 2 consecutive months including transaction histories
- Must state full name, full account number, bank’s name and running balance
- All pages (even if blank) most recent 2 consecutive months including transaction histories
- All current retirement/investment statements
- All pages (even if blank)
Subject Property Documentation
- Fully executed Purchase and Sale(s) agreement
- Deed
- Tax bill
If Additional Real Estate Owned
- Current mortgage statement(s)
- Current tax bill(s)
- Current homeowners insurance policy(s)
- Copy of homeowners association dues (if applicable)
- Copy of leases/rental agreements (if applicable)
Additional Documentation
These may be requested based on your specific circumstance(s)
- 2-years complete personal tax returns
- All schedules, all pages
- All schedules, all pages
- 2-years complete business tax returns
- All schedules, all pages
- Signed by borrower and/or preparer
- All schedules, all pages
- Social Security Award Letter/Pension Statements
- Divorce decree
- Child support order and alimony agreement, including proof of payment
- Cancelled checks and additional documents may be required
- Child support order and alimony agreement, including proof of payment
- Gift letter (supplied by Northway Bank) and supporting
documents (including donor’s bank statement, if applicable)
Questions about Purchasing? Contact Us
- Email us at mortgageoriginators@northwaybank.com
- Call 800-442-6666 ext. 4533, or
- Contact a Loan Officer
All loans are subject to credit and property approval.
Reasons to refinance
- Lower your interest rate or monthly payments
- Consolidate debt
- Pay off your mortgage sooner
- Get cash back for home improvements or other large expenses
Contact a loan officer to find out what type of loan will best suit your needs.
Apply to refinance online to get started
- Create an account and complete the online application in approximately 20 minutes, or you can save your work and come back at any time.
- Once you submit your application, your information will be reviewed by a dedicated Northway Bank mortgage loan officer.
- Your mortgage loan officer will follow up with you and you will have the opportunity to ask any questions you may have.
Mortgage Refinance Products
At Northway Bank, we offer a large variety of mortgage products to suit your lifestyle and budget.
- Fixed Rate Loans - Lock your loan rate in for the life of the loan
- Adjustable Rate Loans - Choose an adjustable loan rate option to fit your financing needs
- Jumbo Loans - Financing options for loans above the maximum conforming loan limits
- Manufactured Home Loans - Financing available for mobile home on its own land
- Federal Housing Administration (FHA) - Federally insured mortgage loans offering lower down payments
- Veteran Administration (VA) - Mortgage financing options for veterans, military personnel and reservists
Questions about refinancing? Contact Us
- Email us at mortgageoriginators@northwaybank.com
- Call 800-442-6666 ext. 4533, or
- Contact a Loan Officer
Mortgage Refinance Tools
Refinance Checklist
When you submit your application to refinance your home, you will want to have the following items ready. The more information provided when you submit your loan application, the better equipped your loan officer will be to answer your questions and provide the high level of service you deserve. You will not be required to provide any of the items until after you have received a Loan Estimate and indicated your Intent to Proceed.
Standard Documentation
- 2-years W-2’s for all jobs
- 1-month of pay stubs (full 30-days)
- Must include employee name, employer name and YTD income amount
- Must include employee name, employer name and YTD income amount
- 2-months complete bank statements
- All pages (even if blank) most recent 2 consecutive months including transaction histories
- Must state full name, full account number, bank’s name and running balance
- All pages (even if blank) most recent 2 consecutive months including transaction histories
- All current retirement/investment statements
- All pages (even if blank)
Subject Property Documentation
- Deed
- Current tax bill
- Current homeowners insurance policy declaration pages
- Current mortgage statement
Additional Documentation
These may be requested based on your specific circumstance(s)
- 2-years complete personal tax returns
- All schedules, all pages
- All schedules, all pages
- 2-years complete business tax returns
- All schedules, all pages
- Signed by borrower and/or preparer
- All schedules, all pages
- Social Security Award Letter/Pension Statements
- Divorce decree
- Child support order and alimony agreement, including proof of payment
- Cancelled checks and additional documents may be required
- Child support order and alimony agreement, including proof of payment
If Additional Real Estate Owned
- Current mortgage statement(s)
- Current tax bill(s)
- Current homeowners insurance policy(s)
- Copy of homeowners association dues (if applicable)
- Copy of leases/rental agreements (if applicable)
All loans are subject to credit and property approval.
View the Mortgage Process
1. Complete our online application or meet with a loan officer
We will request information about the home and your finances and it takes about 20 minutes to complete. As soon as you've finished the application we'll review your request for approval. If this is an online application, a loan officer will contact you.
2. We'll provide a loan disclosure package
This package contains papers for you to sign, loan disclosures and a list of items we'll need to verify the information you provided about your finances during the application.
3. We will order a home appraisal
We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.
4. All loan documents will be submitted to underwriting for approval
Once the loan decision is final and you are approved (subject to credit approval) you will get a commitment letter from your loan officer. This can be delivered electronically or through the mail.
5. Documents will be sent to the title company and your closing will be scheduled
The closing will take place at one of our office locations, your realtor's office or at the office of a title company in your area who will act as our agent. A few days before closing, your loan officer will contact you to walk through the final information.
That's all there is to it! Apply now and you will be on your way to getting the keys to your new home!
Contact a Loan Officer
Northway Bank’s knowledgeable and experienced loan officers are here for you. See our list of loan officers to find one in your area. Please click on their website to fill out an application.
- Call our Mortgage Hotline at 800-442-6666 ext. 4533 or
- Email us at mortgageoriginators@northwaybank.com
Let us be your guide.
Bobby Hill
VP Mortgage Loan Officer
NMLS #1669879
9 Main Street,
Berlin, NH 03570
Office: 603-326-7344
Toll Free: 800-442-6666, Ext. 2615
Fax: 603-326-7359
Email Bobby
VP Mortgage Loan Officer
NMLS #1669879
9 Main Street,
Berlin, NH 03570
Office: 603-326-7344
Toll Free: 800-442-6666, Ext. 2615
Fax: 603-326-7359
Email Bobby
Visit Bobby's website
NH Counties Served: Coos, Grafton
NH Counties Served: Coos, Grafton
VT Counties Served: Caledonia, Essex, Orange
Lyn McCarthy
Mortgage Loan Officer
NMLS #409079
3424 White Mountain Highway,
North Conway, NH 03860
Office: 603-326-7350
Toll Free: 800-442-6666, Ext. 4245
Fax: 603-342-1024
Mortgage Loan Officer
NMLS #409079
3424 White Mountain Highway,
North Conway, NH 03860
Office: 603-326-7350
Toll Free: 800-442-6666, Ext. 4245
Fax: 603-342-1024
Ed Harrigan
Mortgage Loan Officer
NMLS #235922
34 West Main Street,
Conway, NH 03818
Office: 603-342-1041
Toll Free: 800-442-6666, Ext. 3204
Fax: 603-326-7342
Email Ed
Mortgage Loan Officer
NMLS #235922
34 West Main Street,
Conway, NH 03818
Office: 603-342-1041
Toll Free: 800-442-6666, Ext. 3204
Fax: 603-326-7342
Email Ed
Visit Ed's website
NH Counties Served: Carroll
ME Counties Served: Oxford
VT Counties Served: Caledonia, Essex, Orange
NH Counties Served: Carroll
ME Counties Served: Oxford
VT Counties Served: Caledonia, Essex, Orange
Eric Boucher
Mortgage Loan Officer
NMLS #409082
190 N. Main Street
Concord, NH 03301
Office: 603-326-7347
Toll Free: 800-442-6666, Ext. 4182
Fax: 603-447-1874
Mortgage Loan Officer
NMLS #409082
190 N. Main Street
Concord, NH 03301
Office: 603-326-7347
Toll Free: 800-442-6666, Ext. 4182
Fax: 603-447-1874
NH Counties Served: Belknap, Cheshire, Hillsborough, Merrimack, Sullivan
William Ross
Mortgage Loan Officer
NMLS #697298
2385 White Mountain Highway,
West Ossipee, NH 03890
Office: 603-342-1004
Toll Free: 800-442-6666, Ext. 4667
Fax: 603-342-1007
Email William
NMLS #697298
2385 White Mountain Highway,
West Ossipee, NH 03890
Office: 603-342-1004
Toll Free: 800-442-6666, Ext. 4667
Fax: 603-342-1007
Email William
Mortgage Loan Originator Numbers
Mortgage loan originators at federally regulated institutions like Northway Bank, need to be registered. The Nationwide Mortgage Licensing System and Registry (NMLS) contains registration information on mortgage loan originator professionals. NMLS Consumer AccessSM is a free service for consumers to confirm that their mortgage professional is registered. The unique identifier also allows consumers and the industry to easily track specific originators’ histories and qualifications through NMLS Consumer Access.
| Disclaimer | |
|---|---|
| Berlin |
NMLS# |
| Kimberly Poirier* |
993334 |
| Francie Valliere |
409081 |
| Karina King | 2141522 |
| Christina M Richardson | 2544199 |
| Robert Hill*† | 1669879 |
| Bedford | |
| Mark Chalifour | 2085168 |
| Deborah Tropp |
1842711 |
| Campton |
|
| Martha Hughes* | 752412 |
| Michael Crompton | 1428644 |
| Courtney Marsh* | 2588307 |
| Deborah Onnembo | 2518450 |
| Collections |
|
| Zuri Chambers | 1127116 |
| Concord |
|
| Vanina K Velichkova |
2544198 |
| Eric Boucher*† | 409082 |
| Justina Lee Smith | 2534885 |
| Conway Village |
|
| Laurie Houghton-Laclair |
2268600 |
| Daniel Evans | 2467982 |
| Ed Harrigan*† | 235922 |
| Gorham |
|
| Megeen Simoneau | 2319054 |
| Laconia |
|
| Kimberly Bernash | 1378065 |
| Manchester |
|
| Tania Alicea | 943341 |
| Felix Santiago | 1573677 |
| Tyler Dupuis |
2501325 |
| Meredith |
|
| Tammy Paratore | 1810282 |
| Alanna Jeffers | 2509224 |
| North Conway – Intervale |
|
| Jennifer Tate | 1523033 |
| Lyn McCarthy*† | 409079 |
| Erika Brackett | 2617546 |
| North Conway – Settlers |
|
| Alicia Tirey | 2467983 |
| Erin Porter | 2187649 |
| Pittsfield |
|
| Lori Chateauneuf |
1002418 |
| Sarah Jackson |
2319055 |
| Portsmouth |
|
| Tilton |
|
| Lorna Thibodeau | 409041 |
| Roberta Poisson | 1028634 |
| Tracie Johnson | 706913 |
| West Ossipee |
|
| Dorian Norcross* |
409040 |
| Kim Cochrane | 1295730 |
| Paula J McCormick |
2552524 |
| William Ross*† | 697298 |
| West Plymouth |
|
| Janet Currier | 1081190 |
| Jenny Thibeault |
2478019 |
| Georgina Lincoln | 409066 |
| James Roswell | 2401158 |
| Heather Dunham | 2473432 |
Last revised 10/18/2024
NMLS Consumer AccessSM
* These individuals may travel to other locations.
† These individuals originate residential loans. All others only originate home equity loans.
* These individuals may travel to other locations.
† These individuals originate residential loans. All others only originate home equity loans.
Customer Service 800-442-6666
24-Hour Telephone Banking 888-568-6310
NMLS #405698