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John_th_Faptist t1_iz0rsma wrote

My ex wife and I went throw an FHA loan when we bought our house in 2012amd it went through pretty quick and was mostly painless.

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brennagames t1_iz35tpq wrote

Same here, bought mine in 2018. Had a great realtor and my mortgage company was great and super helpful too.

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myfacepwnsurs t1_iz0qf08 wrote

Nh neighborworks helped us find programs for our home.

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Baremegigjen t1_iz16ebb wrote

Also ask on r/realestate. You’ll get additional recommendations for how to go through the whole process of buying a home as a first time buyer, including some nuances for NH.

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NH_shitbags t1_iz0tg56 wrote

You might try a web search for "new hampshire first time home buyers program", and you should see some results. Also, try asking your financier and/or bank, because they will be very well aware of your status as a first time buyer. You've already spoken with your bank, right?

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OkBody2811 t1_iz2belg wrote

Get the education from the program, but do not be lured into low % down payments. The market is due for a correction, if you put less than 10% down payment down, there is a chance that you could be upside down in your mortgage.

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Definitelynotcal1gul t1_iz2b324 wrote

USDA Rural development

Sure, we got a house. That part was great.

Everything after? Really bad experience.

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EmeraldMoose12 t1_iz3jije wrote

Go on….

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Definitelynotcal1gul t1_iz4hkak wrote

They used to have a local office in Epping. It closed, so now we have no local agent to talk to.

Phone waits are 1-2 hours to talk to anyone.

Trying to refi? You must first buy yourself an appraisal, then wait a few weeks for them to send you the paperwork.

I mean, like I said, getting the house was great. We probably wouldn't have been able to otherwise at the time. I doubt we'd go through it again.

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