Mortgages for Your Homebuying Journey
Loans to Help You Get Home
We simplify home buying with competitive mortgages, one-on-one guidance, and flexible terms. Our mortgage consultants offer dedicated support for every step of your journey, whether you're a first-time buyer or an experienced homeowner—because we’re here to help you grow.
- Explore VA, FHA, USDA loans, and more
- Look at fixed and adjustable rate options
- Save up to $750 on closing costs
- Take advantage of first-time buyer programs
- Get local support and market expertise
Benefits of a Bellwether Mortgage Loan
- Extended menu of mortgage loan programs to fit a wide variety of mortgage needs, including VA, FHA, and USDA loans
- Competitive Interest rates on Adjustable Rate Mortgages and Fixed Rate Mortgages
First-time buyer? Our Easy Start Mortgage First Time Homebuyers Program offers as little as 3% down payment and no private mortgage insurance - Lower closing costs than many lenders
- Lower private mortgage insurance rates than some other lenders
- Portfolio loan programs
- Local lenders who understand the local market and make local underwriting decisions
A Home Loan for Every Dream
Find the perfect mortgage to fit your unique needs. Benefit from competitive rates, personalized service, and local expertise, no matter which loan you choose.
First Time Homebuyer
Ready to buy your first home? Our First-Time Homebuyer programs can get you in the door with low down payments and no PMI options.
Fixed Rate Mortgages
Lock in a competitive rate for the life of your loan, making budgeting easy and predictable. No surprises, just stable monthly payments you can rely on.
Adjustable Rate Mortgages
Offers lower monthly payments during the initial period of the loan, making homeownership more accessible for some borrowers.
Build Your Future Here
Mortgage Calculator
Use Bellwether's Mortgage Calculator to calculate what your monthly payment might be. Choose your loan length and home loan amount to start, and discover your potential mortgage options today.
Conforming Fixed Rate Mortgages*
Payments shown above do not include taxes or insurance. Your payment may be greater.
* 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.
Payments shown above do not include taxes or insurance. Your payment may be greater.
* 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.
New Hampshire Housing Rates*
*APR = Annual Percentage Rates and interest rates are based on current pricing and are subject to change at any time without notice.
DPA = Down Payment Assistance
AMI = Area Median Income
Mortgage insurance may be required depending on loan guidelines (Below 80% AMI limit, 700 FICO, 18% mortgage insurance coverage. Over 80% to 140% AMI limit, 31% mortgage insurance coverage.). If mortgage insurance is required, the mortgage insurance premium could increase the APR, interest rate and the monthly mortgage payment.
*APR = Annual Percentage Rates and interest rates are based on current pricing and are subject to change at any time without notice.
DPA = Down Payment Assistance
AMI = Area Median Income
Mortgage insurance may be required depending on loan guidelines (Below 80% AMI limit, 700 FICO, 18% mortgage insurance coverage. Over 80% to 140% AMI limit, 31% mortgage insurance coverage.). If mortgage insurance is required, the mortgage insurance premium could increase the APR, interest rate and the monthly mortgage payment.
Adjustable Rate Mortgages* (ARMs)
Payments shown above do not include taxes or insurance. Your payment may be greater.
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
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 and Margin
Index: One Year US Treasury Bill. As of 6/6/2025: 4.10, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 1/1, 3/1, 5/1, Construction 5/1, 7/1 and 10/1 products.
Index: One Year US Treasury Bill. As of 6/6/2025: 4.10, 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 6/6/2025: 4.02, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.
Payments shown above do not include taxes or insurance. Your payment may be greater.
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
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 and Margin
Index: One Year US Treasury Bill. As of 6/6/2025: 4.10, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 1/1, 3/1, 5/1, Construction 5/1, 7/1 and 10/1 products.
Index: One Year US Treasury Bill. As of 6/6/2025: 4.10, 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 6/6/2025: 4.02, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.
Save Up to $750 on Closing Costs
Get started with your Bellwether mortgage and enjoy membership benefits, including up to $750 in closing cost savings.
Step 1: Apply and close on your Bellwether mortgage
Step 2: Open a MyMoney or Live Free Checking Account or use your existing Bellwether checking account
Step 3: Set up Direct Deposit with ClickSWITCH (easy and convenient!)
*To qualify for the maximum $750 closing cost credit, before closing documents are prepared, you must (1) have or open the Bellwether MyMoney or Live Free checking account and (2) finish your direct deposit set up through ClickSWITCH. Direct deposit of a minimum of $1,000 monthly is required. Offer may be discontinued at any time. Offer is valid for new purchases only and not valid on refinances. Excludes No Closing Cost loan products. Mortgage approval is based on credit qualifications. Cannot be combined with any other mortgage discount or offer. Terms and conditions apply.
Testimonials
FAQs
How are interest rates determined?
Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets.
How much do I need for a down payment?
There are many different programs available to you. Our conventional mortgage loan programs require a minimum of 5% down with closing costs and pre-paid items. We also offer programs for eligible applications to pay only 3% down. Schedule an appointment with us for more information.
What are closing costs, and how much will they be?
Closing costs will vary by state, property type, and credit. Included in the cost are taxes and government fees, legal services, fees to the lender for processing, and other fees. The borrower must also pay for certain pre-paid items such as daily interest and homeowner’s insurance.
What is the difference between pre-qualification and pre-approval?
Mortgage loan borrowers apply for pre-qualification while they are searching for a home. Pre-qualification allows you and sellers to estimate how much you can afford.
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