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NH Housing Home First

Making Homeownership Happen

There's a first time and a right time. This time it's both.

With the Home First and Home First Plus Programs, homebuyers benefit from a low fixed-rate loan and $10,000 in cash assistance for downpayment and closing costs. This time it's a win-win.

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Requirements

  • Must be a first time homebuyer (no ownership in the past 3 years) or buying in a targeted area.
  • Must meet income and purchase price limits for the town in which the property is located.
  • $10,000 cash assistance is a 5-year forgivable second mortgage at zero percent interest.
  • Purchasing a single-family home (1-4 unit).
  • Must be an owner-occupied primary residence.

Contact us for more information!

Available on both government insured and conventional programs. Minimum FICO of 620 required. Homebuyer education required for first time homebuyers and those using downpayment cash assistance. Cannot be combined with the Homebuyer Tax Credit Program. May be subject to a Recapture Tax if home is sold within the first 9 years, there is home appreciation and the borrower exceeds certain income limits.

Testimonials

"I would highly recommend Bellwether to all of my family and friends. Working with Bellwether made being a first time home buyer a smooth and easy process – they were always available for any of my questions and went above and beyond to make sure I had everything I needed throughout the process."
- Justine
"They gave me the mortgage rate that was advertised on the website with no surprise points, fees or charges. I was able to close on time and with no hiccups from Bellwether Community Credit Union."
- Greg R.
"Bellwether is always available for any questions or concerns from start to finish. Highly recommended. I even had my son reach out."
- Robert D.
"I've been a member of BCCU for 10 years. And have always had positive experiences."
- Eliot D.
"Have had an account for a very long time. Love doing most of my banking and bill paying online."
- Lilian C.

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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