Mortgage pre-approval in New Hampshire.

Closing commonly handled by

title company or attorney

State housing agency

New Hampshire Housing

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 (higher in 2 of 10 counties, up to $962,550)

2026 FHA limit

$541,287 to $962,550, by county

Our license

Mortgage Banker License

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we offer in New Hampshire

Purchase and refinance loans for primary residences, second homes and investment properties. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in New Hampshire

New Hampshire closings are commonly handled by a title company or an attorney. Property taxes are a large part of the payment here and vary sharply from town to town, so we use the tax bill for the specific property.

Transfer and recording taxes. New Hampshire’s real estate transfer tax is 75 cents for each $100 of the price, and state law charges that rate to both the buyer and the seller, so the combined tax is $1.50 per $100. Source: RSA 78-B:1 and RSA 78-B:4. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in New Hampshire

For 2026 the conforming loan limit for a one-unit home is $832,750 (higher in 2 of 10 counties, up to $962,550). Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in New Hampshire

The New Hampshire Housing runs New Hampshire’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: New Hampshire Housing. See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions New Hampshire buyers ask

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.