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Mortgages

 

Northway Bank. The Right Mortgage.

 
Whether you’re moving up, scaling down, looking for your first home, or adding a second, Northway Bank has your mortgage. Home loans come in all sorts of flavors, so the mortgage pros at Northway Bank will listen carefully before explaining your options - maybe some you hadn’t even considered. Free pre-qualifications are available to give you leverage when house hunting. Come talk to one of our Mortgage Professionals. Let us be your guide. 

Purchase

Buying a home? Apply online, get pre-qualified, or contact a Northway mortgage professional.
Go to Purchase

Refinance

Ready to refinance? Apply online or contact a Northway mortgage professional.
Go to Refinance

ALL-in-one Construction Loans

Looking to build? Apply online or contact a Northway mortgage professional.

What to Expect

An overview of how the mortgage process works.
Go to What to Expect

Contact a Loan Officer

Names, numbers, and locations for Northway's mortgage loan officers.

Mortgage Loan Originator Numbers

NMLS registration numbers for Northway's mortgage professionals.
 
 
 
Animated image of TheRightMortgage.com app

Purchase

The right loan can lead you to your dream home. Confidently take the next step toward purchasing a home with the support of our lending professionals who will help you determine what mortgage will best fit your budget and goals.
 
 
Know how much house you can afford before you start shopping. Apply online to get started:
  1. Create an account and complete the online application in approximately 20 minutes, or you can save your work and come back at any time.
  2. Once you submit your application, your information will be reviewed by a dedicated Northway Bank mortgage loan officer.
  3. Your mortgage loan officer will follow up with you and you will have the opportunity to ask any questions you may have.
  4. After the application is pre-qualified, a mortgage loan officer will issue you a pre-qualification letter that you can provide to a real estate agent once you begin looking for that right home.
 
 
Contact us today to see if you qualify for these special programs!
 
Federal Housing
Administration (FHA)
Veteran
Administration (VA)
NH Housing Finance
Authority (NHHFA)
Rural Development
Guaranteed Loans (RD)
Purchase a home with up to 96.5% Loan-to-value. FHA Loans are great for buyers with lower down payments and are sometimes easier to qualify for than a conventional loan:
  • Great low rates
  • Close in as little as 30 days
  • Sellers may contribute up to 6% towards your closing fees
As a member of our Military Personnel, you are eligible for a special government insured VA Loan:
  • No down payment required
  • Low interest rates
  • Fast closings, usually in 30 days or less
  • No private mortgage insurance (PMI)
New Hampshire Housing offers a variety of mortgage products for low- to moderate-income households. Features include cash assistance for downpayment and closing costs, low PMI products, purchase/rehabilitation loans, and mortgage credit certificates (MCC) Homebuyer Tax Credit Program that can save buyers up to $2,000 on their taxes. Consult your tax advisor.
USDA Loans help put the American Dream within reach - Purchase a rural home with no money down
  • 100% financing – no down payment
  • Seller credits may help pay for closing fees
  • Potentially roll closing fees into your monthly payment

 
 
At Northway Bank, we offer a large variety of mortgage products to suit your lifestyle and budget.
 
Conventional / Portfolio Options:
 
Fixed Rate
Loans
Adjustable Rate
Loans
Jumbo
Loans
Land
Loans
Manufactured
Home Loans
Lock your loan rate in for the life of the loan Choose an adjustable loan rate option to fit your financing needs
Financing options for loans above the maximum conforming loan limits
Purchase land only for your future home
Financing available for mobile home on its own land or in a park
 
 
Contact us today to see if you qualify for these special programs!
 
MedPro 20 Year Bi-Weekly Mortgage Purchase Right
Exclusive purchase program designed to provide unique financing options for medical professionals
Purchase program designed to accelerate your principal balance and save you interest
15-Year Term and 30-Year Term promotional rates for qualified applicants
You won’t need the items listed below to get pre-qualified or apply for a mortgage loan. Once you find the right home and submit your loan application, you will want to have the following items ready. The more information provided when you submit your loan application, the better equipped your loan officer will be to answer your questions and provide the high level of service you deserve. You will not be required to provide any of the items until after you have received a Loan Estimate and indicated your Intent to Proceed.
 
Standard Documentation
  • 2-years W-2’s for all jobs
  • 1-month of pay stubs (full 30-days)
    • Must include employee name, employer name and YTD income amount
  • 2-months complete bank statements
    • All pages (even if blank) most recent 2 consecutive months including transaction histories
    • Must state full name, full account number, bank’s name and running balance
  • All current retirement/investment statements
    • All pages (even if blank)
Subject Property Documentation
  • Fully executed Purchase and Sale(s) agreement
  • Deed
  • Tax bill
If Additional Real Estate Owned
  • Current mortgage statement(s)
  • Current tax bill(s)
  • Current homeowners insurance policy(s)
  • Copy of homeowners association dues (if applicable)
  • Copy of leases/rental agreements (if applicable)
Additional Documentation
These may be requested based on your specific circumstance(s)
  • 2-years complete personal tax returns
    • All schedules, all pages
  • 2-years complete business tax returns
    • All schedules, all pages
    • Signed by borrower and/or preparer
  • Social Security Award Letter/Pension Statements
  • Divorce decree
    • Child support order and alimony agreement, including proof of payment
    • Cancelled checks and additional documents may be required
  • Gift letter (supplied by Northway Bank) and supporting
    documents (including donor’s bank statement, if applicable)
 
 
 
 
 
 
 
 
 
 
 
 
All loans are subject to credit approval.

Refinance

Whether you're searching for a better interest rate or hoping to pay off your mortgage sooner, refinancing your current home loan can be a smart financial move. Let us help you determine if now is the right time to begin the process.

 
 
 
 
 
  • Lower your interest rate or monthly payments
  • Consolidate debt
  • Pay off your mortgage sooner
  • Get cash back for home improvements or other large expenses
Contact a loan officer to find out what type of loan will best suit your needs.
 
 
  • Create an account and complete the online application in approximately 20 minutes, or you can save your work and come back at any time.
  • Once you submit your application, your information will be reviewed by a dedicated Northway Bank mortgage loan officer.
  • Your mortgage loan officer will follow up with you and you will have the opportunity to ask any questions you may have.
 
 
At Northway Bank, we offer a large variety of mortgage products to suit your lifestyle and budget.
  • Fixed Rate Loans - Lock your loan rate in for the life of the loan
  • Adjustable Rate Loans - Choose an adjustable loan rate option to fit your financing needs
  • Jumbo Loans - Financing options for loans above the maximum conforming loan limits
  • Land Loans - Purchase land only for your future home
  • Manufactured Home Loans - Financing available for mobile home on its own land or in a park
  • Federal Housing Administration (FHA) - Federally insured mortgage loans offering lower down payments
  • Veteran Administration (VA) - Mortgage financing options for veterans, military personnel and reservists
 
 
When you submit your application to refinance your home, you will want to have the following items ready. The more information provided when you submit your loan application, the better equipped your loan officer will be to answer your questions and provide the high level of service you deserve. You will not be required to provide any of the items until after you have received a Loan Estimate and indicated your Intent to Proceed.
 
Standard Documentation
  • 2-years W-2’s for all jobs
  • 1-month of pay stubs (full 30-days)
    • Must include employee name, employer name and YTD income amount
  • 2-months complete bank statements
    • All pages (even if blank) most recent 2 consecutive months including transaction histories
    • Must state full name, full account number, bank’s name and running balance
  • All current retirement/investment statements
    • All pages (even if blank)
Subject Property Documentation
  • Deed
  • Current tax bill
  • Current homeowners insurance policy declaration pages
  • Current mortgage statement
Additional Documentation
These may be requested based on your specific circumstance(s)
  • 2-years complete personal tax returns
    • All schedules, all pages
  • 2-years complete business tax returns
    • All schedules, all pages
    • Signed by borrower and/or preparer
  • Social Security Award Letter/Pension Statements
  • Divorce decree
    • Child support order and alimony agreement, including proof of payment
    • Cancelled checks and additional documents may be required
If Additional Real Estate Owned
  • Current mortgage statement(s)
  • Current tax bill(s)
  • Current homeowners insurance policy(s)
  • Copy of homeowners association dues (if applicable)
  • Copy of leases/rental agreements (if applicable)
 
 
 
 
 
 
 
 
 
 
 
All loans are subject to credit approval.

All-in-One Construction Loans

If your dream home requires blueprints, it will most likely need a construction loan too. Look to Northway Bank to guide you through the process. You'll get one closing for the life of the loan with easy access to building funds.
 
 
  • A single loan closing for both the construction and permanent financing
  • 12-month construction loan period to complete your building project
  • You have the option of a fixed or adjustable rate program
  • Interest & escrow only payments during the construction phase
  • The loan automatically converts to principal and interest once the construction period is complete
  • Local approval, processing and servicing*
 
 
  • Create an account and complete the online application in less than 20 minutes, or you can save your work and come back at any time.
  • Once you submit your application, your information will be reviewed by a dedicated Northway Bank mortgage loan officer.
  • Your mortgage loan officer will follow up with you no later than the next business day, and you will have the opportunity to ask any questions you may have.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*The Bank intends to service its construction loans. However, there is no guarantee the loan will not be sold and/or serviced at another institution at a later date.

What to Expect

Sometimes the loan process can feel overwhelming. Be sure to ask questions and know that your loan officer is here to help you. There is an orderly nature to things, and your loan officer will work with you every step of the way.
 
 
1. Complete our online application or meet with a loan officer
We will request information about the home and your finances and it takes about 20 minutes to complete. As soon as you've finished the application we'll review your request for approval. If this is an online application, a loan officer will contact you.
 
2. We'll provide a loan disclosure package
This package contains papers for you to sign, loan disclosures and a list of items we'll need to verify the information you provided about your finances during the application.
 
3. We will order a home appraisal
We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.
 
4. All loan documents will be submitted to underwriting for approval
Once the loan decision is final and you are approved (subject to credit approval) you will get a commitment letter from your loan officer. This can be delivered electronically or through the mail.
 
5. Documents will be sent to the title company and your closing will be scheduled
The closing will take place at one of our office locations, your realtor's office or at the office of a title company in your area who will act as our agent. A few days before closing, your loan officer will contact you to walk through the final information.

That's all there is to it! Apply now and you will be on your way to getting the keys to your new home!
 



 
 
 
 
 
 
 
 
 
 
 
 

 
 

 
 

 
 

 
 
 
 
 
 
 

 
 

 
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Contact a Loan Officer

Northway Bank’s knowledgeable and experienced loan officers are here for you. See our list of loan officers to find one in your area. Please click on their website to fill out an application.

Let us be your guide.


Ed Harrigan
Mortgage Loan Officer
NMLS #235922
34 West Main Street,
Conway, NH 03818
Office: 603-342-1041
Toll Free: 800-442-6666, Ext. 3204
Fax: 603-326-7342
eharrigan@northwaybank.com
harrigan.northwaybank.com
NH Counties Served: Carroll
ME Counties Served: Cumberland, Oxford, York
VT Counties Served: Caledonia, Essex, Orange


William Ross
Mortgage Loan Officer
NMLS #697298
2385 White Mountain Highway,
West Ossipee, NH 03890
Office: 603-342-1004
Toll Free: 800-442-6666, Ext. 4667
Fax: 603-342-1007
wross@northwaybank.com
ross.northwaybank.com
NH Counties Served: Strafford, Sullivan, Carroll


Lyn McCarthy
Mortgage Loan Officer
NMLS #409079
3424 White Mountain Highway,
North Conway, NH 03860
Office: 603-326-7350
Toll Free: 800-442-6666, Ext. 4245
Fax: 603-342-1024
lmccarthy@northwaybank.com
mccarthy.northwaybank.com
NH Counties Served: Carroll, Coos


Merron Treadwell
AVP Mortgage Loan Officer
NMLS #1468532
42 Upper Ladd Hill Road,
Meredith, NH 03253
Office: 603-326-7322
Toll Free: 800-442-6666, Ext. 4494
Fax: 603-326-7349
mtreadwell@northwaybank.com
treadwell.northwaybank.com
NH Counties Served: Belknap, Grafton


Chelsie Arnold
Mortgage Loan Officer
NMLS #1948583
5 Market Street,
Tilton, NH 03276
Office: 603-326-1021
Toll Free: 800-442-6666, Ext. 4561
Fax: 603-447-1874
carnold@northwaybank.com
NH Counties Served: Grafton, Belknap


Bobby Hill
Mortgage Loan Officer
NMLS #1669879
9 Main Street,
Berlin, NH 03570
Office: 603-326-7344
Toll Free: 800-442-6666, Ext. 2615
Fax: 603-326-7359
rhill@northwaybank.com
hill.northwaybank.com
NH Counties Served: Coos

Picture of Al Lima, Mortgage Loan Officer

Al Lima
Mortgage Loan Officer
NMLS #762170
29 Cilley Road,
Manchester, NH 03103
Office: 603-326-7375
Toll Free: 800-442-6666, Ext. 4043
Fax: 603-342-1559
alima@northwaybank.com
NH Counties Served: Cheshire, Hillsborough, Merrimack, Rockingham

Photo of Eric Boucher, Mortgage Loan Officer

Eric Boucher
Mortgage Loan Officer
NMLS #409082
10 Commerce Park North, Suite 13B
Bedford, NH 03110
Office: 603-326-7347
Toll Free: 800-442-6666, Ext. 4182
Fax: 603-447-1874
NH Counties Served: Rockingham, Cheshire, Hillsborough, Merrimack


Wendy Olson
Vice President, Mortgage Sales Manager
NMLS #257431
34 West Main Street,
Conway, NH 03818
Office: 603-342-1034
Toll Free: 800-442-6666, Ext. 4244
Fax: 603-326-7369
wolson@northwaybank.com
olson.northwaybank.com
NH, ME and VT Counties Served: All
 
 

 
 

 
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Mortgage Loan Originator Numbers

Mortgage loan originators at federally regulated institutions like Northway Bank, need to be registered. The Nationwide Mortgage Licensing System and Registry (NMLS) contains registration information on mortgage loan originator professionals. NMLS Consumer AccessSM is a free service for consumers to confirm that their mortgage professional is registered. The unique identifier also allows consumers and the industry to easily track specific originators’ histories and qualifications through NMLS Consumer Access

Disclaimer
Berlin
NMLS#
Kimberly Poirier*
993334
Francie Valliere
409081
Sylvia Scarinza
1624309
Sheila Hatley  1884388
Robert Hill*† 1669879
Bedford
Eric Boucher*† 409082
Campton 

Kari Miller 741578
Michael Crompton 1428644
Collections 

Zuri Chambers 1127116
 Patricia Hamilton 409055 
Concord 

John O’Neill
1032227
Elissa Cromeenes 2001881
Conway Village 

Marci Labrie 1403022
Jamie Solomon 1913738
Kristi Harris 1926098
Wendy Olson*† 257431
Ed Harrigan*† 235922 
Rebecca Pepin*† 1717045
 Gorham 

Stacie Lacasse 188616
Christian Corriveau 1904294
 Laconia
 
Lorna Thibodeau 409041
Kyril Mitchell 409047
Lisa Kennett
1710816
Manchester

Tania Alicea 943341
Samantha Lightizer 1334042
Alfons Lima*† 762170
Felix Santiago 1573677
Meredith

Meagan Huttle 531080
Shelby Harrington 1810448
Tammy O'Neil
1810282
Merron Treadwell*† 1468532
North Conway – Intervale

Vikki Corbridge* 836777
Jennifer Tate 1523033
Kim Cochrane 
1295730
Nancy DeRoin 1937601
Ginger Gagne
1505305
Lyn McCarthy*† 409079
North Conway – Settlers

Ana Kane 1394287
Pittsfield

Lori Chateauneuf
1002418
Megan Long 1871879
Plymouth

Glen Feener
409051
Portsmouth

Nicole Clark* 1747671
David McMahon 869013
Amanda Miller 1853279
Evan Searles
1849262
Tilton

Jannette Thompson 1106282
Georgina Lincoln 409066
Roberta Poisson
1028634
Chelsie Arnold*† 1948583
West Ossipee 

Dorian Norcross*
409040
Tammy Bates 409062
Bonnie Ainsworth 409069
William Ross*† 697298
West Plymouth

Janet Currier 1081190
Tracie Johnson 706913
Last revised 07/30/2020
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NMLS Consumer AccessSM 
* These individuals may travel to other locations.
† These individuals originate residential loans. All others only originate home equity loans.