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First-time Homebuyer

Looking for your first home?
We specialize in New Hampshire first-time homebuyer programs

As an experienced first-time homebuyer lender, St Mary's Bank can help you determine your buying power and identify the financing program that is best for you. We provide a seamless home financing process that combines the expertise of our mortgage specialists with our in-house title services, for an exceptionally smooth process from application to closing.

  • Low to no down payment options
  • Low closing costs
  • Seller credits could save you more
  • Conventional fixed-rate mortgages
  • Adjustable rate mortgages (ARMs)

Connect with a Mortgage Specialist to learn more about any of these options: These programs are for New Hampshire properties only. For properties in Maine and Massachusetts please contact a Mortgage Specialist.

It's easy to apply or get prequalified!

Connect with one of our Mortgage Specialists to learn more or get started.

Programs above are available for properties within the state of New Hampshire only. For properties located in Maine and Massachusetts please contact a Mortgage Specialist.

*Offer expires 8/31/20. Applies only to first-time home buyer (FTHB) loans originated by St. Mary’s Bank and using St. Mary’s Title Services as closing agent. A FTHB is a borrower who has never owned a home or has not owned a home in three years of closing date. May not be combined with other offers. Valid only for purchase of New Hampshire residential 1-4 family owner-occupied properties. Mortgage rates are based upon various assumptions and conditions which include a consumer credit score, which may be higher or lower than your individual credit score. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and credit profile up to the time of closing.