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Mortgages


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.
Purchase
Buying a home? Apply online, get pre-qualified, or contact a Northway mortgage pro.
Go to Purchase
Refinance
Ready to refinance? Apply online or contact a Northway mortgage pro.
Go to Refinance
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.
Go to Contact a Loan Officer
Mortgage Loan Originator Numbers
NMLS registration numbers for Northway's mortgage professionals.
Go to Mortgage Loan Originator Numbers





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.


At Northway Bank, we offer a large variety of mortgage products to suit your lifestyle and budget.
  • Fixed Rate Loans
  • Adjustable Rate Loans
  • Jumbo Loans
  • Land Loans
  • Manufactured Home Loans 
  • FHA Loans
  • VA Loans
  • NH Housing Loans
  • USDA Guaranteed Loans

















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
  • Adjustable Rate Loans
  • Jumbo Loans
  • Land Loans
  • Manufactured Home Loans
  • Construction Loans
  • FHA Loans
  • VA Loans














All loans are subject to credit approval.

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.




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.


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.


We'll order the appraisal from a licensed appraiser who is familiar with home values in your area.


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.


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.

Let us be your guide.

Photo of Ed Harrigan, Mortgage Loan Officer

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, Cheshire
ME Counties Served: Cumberland, Oxford
VT Counties Served: Caledonia, Essex, Orange

Picture of Julie Cosgrove, Residential Mortgage Loan Originator

Julie Cosgrove
Mortgage Loan Officer
NMLS #910400
750 Lafayette Road,
Portsmouth, NH 03801
Office: 603-342-1440
Toll Free: 800-442-6666, Ext. 2895
Fax: 603-342-1441
jcosgrove@northwaybank.com
cosgrove.northwaybank.com
NH Counties Served: Hillsborough, Merrimack, Rockingham
ME Counties Served: York


picture of William Ross, Residential Mortgage Loan Originator

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: Carroll, Strafford, Sullivan

picture of Lyn McCarthy, Residential Mortgage Loan Originator

Lyn-Marie 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, Grafton

picture of Vanessa Vittum, Residential Mortgage Loan Originator
Vanessa Vittum
Mortgage Loan Officer
NMLS #409086
42 Upper Ladd Hill Road,
Meredith, NH 03253
Office: 603-326-7375
Toll Free: 800-442-6666, Ext. 4043
Fax: 603-342-1023
vvittum@northwaybank.com
vittum.northwaybank.com
NH Counties Served: Belknap, Grafton

picture of Merron Pillart, Residential Mortgage Loan Originator

Merron Treadwell
Mortgage Loan Officer
NMLS #1468532
400 South Main Street,
Laconia, NH 03246
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, Hillsborough, Merrimack, Strafford

picture of Bobby Hill, Residential Mortgage Loan Originator

Robert 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, Grafton

Picture of Wendy Olson, Vice President, Mortgage Sales Manager

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

Berlin NMLS#
Kimberly Poirier
993334
Francie Valliere
409081
Sylvia Scarinza
1624309
Robert Hill *† 1669879
Campton 

Bobette Huke
1310454
Michael Crompton 1428644
Collections 

Zuri Chambers 1127116
 Patricia Hamilton 409055 
Concord 

Heather Francoeur*
752029
Tyler Pond 1379846
Roberta Poisson
1028634
Isaac Davis* 705750
Conway Village 

 Wendy Olson*†
 257431
 Deanna Hanley
 898827
 Louisa Gagnon
 1024595
 Ed Harrigan*† 235922 
Rebecca Pepin*† 1717045
 Gorham 

 Dawn Cross
653546 
 Sandra Barreira 1199508 
 Laconia
 
Joanne Warren* 1717815
Cheri Snow 1353339 
 Lisa Kennett
1710816
 Merron Treadwell*† 1468532 
Manchester 

Kelli Olsen
696426
Samantha Lightizer  1334042
Lauren Rodriguez 1626822
Meredith 

Jannette Thompson
1106282
Vanessa Vittum*†
409086
Tracie Johnson 706913
North Conway – Intervale

Vikki Corbridge
836777
Jennifer Tate
1523033
Dorian Norcross*
409040
Ginger Gagne
1505305
Lyn-Marie McCarthy*†
409079
Kim Cochrane 1295730
Lori Cote* 1719609
North Conway – Settlers

Janet Kelley
872026
Gloria Tibbetts
409080
Anthony Scialla 1624307
Pittsfield

Lori Chateauneuf
1002418
Alyssa Valladares 1573612
Plymouth

Glen Feener
409051
Silvia Suldenski 1393887
Portsmouth

Tracy Ash
409049
Julie Cosgrove*†
910400
David McMahon 869013
Tilton

Barbara Lawler
1057055
Kiley Joslyn-Gibbs 900757
West Ossipee 

Bonnie Ainsworth
409069
Debra Golder
752055
Tammy Bates
409062
William Ross*† 697298
West Plymouth

Gina Lincoln
409066
Janet Currier 1081190
Last revised 02/27/18






























NMLS Consumer AccessSM 
* These individuals may travel to other locations.
† These individuals originate residential loans. All others only originate home equity loans.