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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.

*Present or mention offer code REBATE500 to take advantage of the $500 rebate. Offer valid for First-time Homebuyers (FTHB) who apply or get pre-qualified between April 1 and June 30, 2021, and close the mortgage by December 31, 2021, using St. Mary’s Title Services as the closing agent. Rebate will be deposited into the borrower’s St. Mary’s Bank checking account within 15 days after the loan closes. Rebate offer void without a St. Mary’s Bank checking account to receive the deposit. Limit one rebate per loan. Offer subject to change without notice. May not be combined with other offers. Valid only for purchase of New Hampshire residential 1-4 family owner-occupied properties. A FTHB is a borrower who has never owned a home or has not owned a home in three years of closing date. 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.