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Bellwether has made New Hampshire our home for 100 years, and we're proud to provide low-rate mortgages tailored to your needs. Our Home Lending Team members are highly experienced, caring, local mortgage consultants who are dedicated to providing thoughtful guidance and customized mortgage solutions to address each borrower's unique home financing needs. We will answer your questions, walk you through the mortgage application process, and stay with you every step of the way. Learn why New Hampshire residents prefer Bellwether for their home financing needs. We have also expanded our membership to anyone living or working in Essex or Middlesex Counties in Massachusetts!
It's always nice to save a little money during the homebuying process. Learn how you could save up to $750 on your mortgage closing costs!
| Conforming Fixed Rate Mortgages* | ||||
| Effective Date: Wednesday, October 5th, 2022 | ||||
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| Account Type | Rate | Term | Annual Percentage Rate (APR) As Low As* | Payment Example* |
| 30 Year Fixed w/ 0 points | 6.750% | 30 yrs | 6.844% APR | 360 monthly payments of $1,297.20* |
| 20 Year Fixed w/ 0 points | 6.625% | 20 yrs | 6.747% APR | 240 monthly payments of $1,505.90* |
| 15 Year Fixed w/ 0.5 points | 6.125% | 15 yrs | 6.273% APR | 180 monthly payments of $1,701.25* |
| 10 Year Fixed w/ 0.5 points | 6.125% | 10 yrs | 6.334% APR | 120 monthly payments of $2,232.99* |
| Construction 30 Year Fixed | 7.250% | 30 yrs | 7.661% APR | 360 monthly payments of $1,364.35* |
| * All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information. | ||||
Learn more on our Fixed Mortgage page.
Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable. The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change. The 1/1 ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The 3/1 ARM offers a fixed rate for 3 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The Seasonal Home 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap. The 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap. The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap. The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap. The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap. For 1 - 4 family owner-occupied residence, condo and one-unit second homes. Caps Index and Margin
Skip Slideshow I run a few companies that are growing, so to say that I am busy is an understatement. I wanted my loan to be competitive, originated quickly, and, most importantly, I needed a partner that could be flexible working around my hectic schedule. Bellwether gave me all of those things, plus friendly, in-person customer service. It’s really great knowing that we have that level of service available right here in our community. - Nick We love Bellwether. – Hazel B. Excellent customer service skills and a joy to work with. – Claire D. Staff is always friendly and helpful. Pleasant atmosphere and always a joy to do business at Bellwether. - Margaret F.
Adjustable Rate Mortgages (ARMs)* Effective Date: Wednesday, October 5th, 2022
Payment examples shown below do not include taxes or insurance. Your payment may be greater.
Account Type Rate Annual Percentage Rate (APR) As Low As*
1/1 ARM CMT
4.990%
3.121% APR
3/1 ARM CMT
5.125%
3.472% APR
Seasonal Home 5/1 ARM CMT
6.375%
4.6760% APR
5/1 ARM CMT
5.625%
3.995% APR
5/5 ARM CMT
5.375%
3.963% APR
Easy Start 5/5 ARM CMT
5.250%
3.930% APR
7/1 ARM CMT
6.625%
4.816% APR
10/1 ARM CMT
6.750%
5.500% APR
Construction 5/1 ARM
5.625%
5.995% APR
1/1, 3/1, Seasonal Home and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5
Index: One Year US Treasury Bill. As of 9/30/2022: 4.07, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 1/1, 3/1, 5/1, 7/1, and 10/1 products.
Index: One Year US Treasury Bill. As of 9/30/2022: 4.83, Margin: 3.5%, Your rate will be rounded up to the nearest eighth. This applies to the Seasonal Home.
Index: Five Year US Treasury Bill. As of 9/30/2022: 4.06, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.
Our Rates vs
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