Enjoy hassle-free home buying with our perfected purchase process
- Get PRE-APPROVED…… before you shop for your new home – and get more bargaining power.
- We can match you with a trusted real estate agent here in New Hampshire or Massachusetts area. Our Partnered agents ensure a seamless home-buying experience.
- Our exclusive mortgage programs allow you to buy a home with a minimal down payment. Some mortgage programs offer 100% financing. USDA LOANS, RURAL HOUSING, and FHA LOANS, require only 3.5% down payment and in many cases, your down payment can be a gift from a relative or nonprofit organization.
Why you should choose Tom O’Brien
- Tom’s experience, 24/7 service and dedication to his clients, is why the area’s top realtors choose him as their preferred lender. He offers his clients industry leading mortgage rates on Jumbo, VA, USDA, FHA, and Conventional mortgage products.
Tom has funded thousands of loan transactions throughout New Hampshire and Massachusetts during his career. He has been in the mortgage industry for over 15 years. During this period of time, he has established himself as one of the hardest working loan officers in the industry.
Our most popular loan options for first-time home buyers
- FHA LOANS
Purchase your home with only 3.5% down. Closing costs can be a gift from a relative! - 30 YEAR FIXED CONVENTIONAL
Our most popular mortgage. Purchase your home with as little as 3% down or less than 3% equity. Get a low payment and the security your rate won’t change for the life of your loan. - VA LOANS
No down payment, private mortgage insurance (PMI), or flexible credit requirements, make the VA loan a top choice for veterans and active military members.
Getting Started
COMMITMENT – Despite the fact that it seems like a given, a Commitment to purchase a home is probably one of the most important aspects of making the decision to be a homeowner. A solid commitment by all parties involved, will ensure that all bases are covered and that everyone is on the same page during the careful planning required.
PLANNING – Careful planning is paramount when considering homeownership. Although your Loan Officer and Real Estate Broker are there to help, only the individual can plan accordingly for the time, collection of documents, appointments and viewing of properties. Don’t forget that your job is still the most important part of your day. Planning for the upcoming appointments and meetings should be done well in advance if possible. Remember to KEEP all of your appointments.
BUDGET- While budget seems that it should be part of commitment and planning, history shows us that most individuals don’t spend enough time budgeting for their big investment. Simple things like “Payment Shock”, property taxes, utilities, unforeseen repairs and updates, are just a few of the extra payments to plan for. Your Loan Officer will go over all the additional payments to plan for during your initial consultation and application.
KNOWLEDGE – Can never be downplayed. In fact, our comprehensive consultation and prequalification process, will provide you with a great deal of knowledge in a short period of time. However, keep in mind that as with any new venture, self-study and research should always be an ongoing part of homeownership. For starters, you can navigate your way through our user friendly web site to begin the research process. You can utilize some of our tools, such as calculators that are available within the “BestNHMortgages” web site.
Programs
PROGRAM OPTIONS – Now that you’ve checked all the boxes, planned, and budgeted accordingly, it’s time to think carefully about which Mortgage Loan Program is best suited for you. If you’re a 1st Time Buyer and are like many these days, the program options available are sometimes overlooked and or simply not discussed in detail and is something that should never be overlooked.
Now is the perfect time to purchase, refinance or rehab. Take advantage of the lowest interest rates and home prices in years with little to no money down! Affordable financing options for First Time Home Buyers include FHA, NHHFA, USDA Rural Housing and VA government loans.
Contact Tom to learn more about these affordable options and to get started today. Pre-Qualifications are free!
