Expertise.com

2024

Last updated:

Best Mortgage Brokers in Manchester

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Manchester Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

38Reviewed

27Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

26 Londonderry Turnpike, Hooksett, NH 03106
WebsiteLicense: 32718

Expertise.com Rating

Review Sources

Google
4.9 (51)
Zillow
5.0 (8)

Why choose this provider?

Joseph Cipollo is a Hooksett-based senior loan officer who deals with clients throughout Manchester. He sets up a range of mortgage products, from USDA, VA, and FHA programs to conventional and jumbo loans. He also assists individuals in qualifying for Freddie Mac's BorrowSmart Program, which helps them obtain down payment assistance. For homeowners looking to renovate their properties, Cipollo offers the FHA 203(k) loan. Cipollo works at CMG Financial, an enterprise that supports organizations like the Gary Sinise Foundation.

  • Refinance

25 Pelham Road, Salem, NH 03079
WebsiteLicense: 1562647

Expertise.com Rating

Why choose this provider?

Premier Mortgage Lending is a family-owned and family-operated business catering to the financing needs of the Manchester community. Headed by owner Michael Comerford, its loan officers assist first-time home buyers and borrowers with refinancing goals. They provide loan program options such as VA, FHA, and conventional and guide clients throughout the application process. Comerford has been in the mortgage business for over 15 years. He and his team give back to the community by supporting Windham Helping Hands.

  • Refinance

167 South River Road, Unit 1, Bedford, NH 03110
WebsiteLicense: 2051116

Expertise.com Rating

Review Sources

Google
5.0 (40)

Why choose this provider?

Advantage Home Loans LLC is a family-owned brokerage serving the Manchester area. It provides financing options, including jumbo, super jumbo, and five-year to 30-year FRMs and ARMs, to prospective home buyers and real estate investors. It helps those who qualify for VA, USDA, FHA, or 203K loans understand the differences among these programs. Advantage Home Loans is run by husband and wife Jason and Karen Jaramillo. Together, they have more than 23 years of experience in the mortgage industry.

  • Refinance
  • New Construction

166 South River Rd., Bedford, NH 03110
WebsiteLicense: 955607

Expertise.com Rating

Review Sources

Zillow
4.9 (326)
Facebook
4.7 (115)
Yelp
2.5 (26)

Why choose this provider?

radius financial group inc. offers mortgage brokering services to people residing in Manchester. It uses up-to-date technology to find custom loans and facilitate their approval. Its loan officers help clients get their mortgage refinancing applications approved. The company offers various lending programs such as industry-standard products and niche loans that accommodate various circumstances and needs, including less typical customer profiles. radius financial group is a women-owned company that aims to help the community through various initiatives, such as supporting Habitat for Humanity.

  • Refinance

650 Elm Street, Suite 600, Manchester, NH 03101
WebsiteLicense: 2561

Expertise.com Rating

Review Sources

Zillow
5.0 (1298)
Facebook
4.5 (98)
Google
3.0 (18)

Why choose this provider?

HarborOne Mortgage is a Manchester-based lending firm that has been serving borrowers since 1983. It team of loan officers caters to first-time homebuyers, individuals seeking to refinance their existing mortgages, and those in need of loans for house renovation or construction purposes. They guide clients in finding their ideal plan among a range of conventional, federal, and jumbo loan programs. The firm offers its own HarborOne Mortgage Experience, also known as HOME, which entails services strengthened by HarborOne Bank and backed by years of industry experience.

  • Refinance

337 Route 101, Bedford, NH 03110
WebsiteLicense: 1831650

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (9)

Why choose this provider?

Home Choice Lending offers its solutions to prospective mortgage applicants in areas throughout the Manchester metro. Its agents use their understanding of current interest rates and market changes to help clients understand their available options in line with their specified financial goals, current loans, and desired terms. They help applicants familiarize themselves with the factors involved in its various loan programs, from VA and FHA to adjustable- and fixed-rate mortgages. They also assess FICO credit scores, monitor debt-to-income ratios, and appraise client property.

  • Refinance

264 South River Road, Suite 432, Bedford, NH 03110
WebsiteLicense: 1820356

Expertise.com Rating

Review Sources

Google
5.0 (45)
Facebook
5.0 (27)
Zillow
5.0 (11)

Why choose this provider?

Precision Lending LLC is a service provider catering to the mortgage needs of the communities in Manchester and the nearby areas. Led by owner Matt Vance, its officers design customized solutions such as reverse mortgages and veteran or renovation loans. Vance and his team assist clients who are looking to cash out their equities, refinance their mortgage, or buy their dream or first homes. Vance has been in the mortgage industry for more than 15 years.

  • Reverse Mortgages

66 Hanover Steet, Suite 302, Manchester, NH 03101
WebsiteLicense: 2629

Expertise.com Rating

Review Sources

Google
5.0 (303)
Zillow
5.0 (80)
Facebook
5.0 (56)

Why choose this provider?

Insight Mortgage Corp. has been serving individuals and families in Manchester since 2002. Its mortgage advisors have local knowledge of the area and work with clients throughout the whole loan process. The corporation partners with over 25 investors to provide various loan options. Its mortgage programs include VA, USDA, FHA, buydown, and investor loans. It also offers debt consolidation loans and adjustable-rate mortgages. Ryan McGinnis, its owner and president, previously worked as a full-time Realtor.

  • Refinance

650 Elm St Suite 600, Manchester, NH 03101
WebsiteLicense: 93963

Expertise.com Rating

Review Sources

Facebook
4.8 (17)
Zillow
5.0 (15)

Why choose this provider?

Charley Farley is a home loan specialist under HarborOne Mortgage who caters to the residents of Manchester. He and his team of loan officers help families and individuals by presenting mortgage options for homes. These include VA, FHA, second home, home construction, and USDA rural home development loans. The team also helps clients with poor credit, self-employed, and post-divorce mortgages. Charley has 25 years of experience in the industry, and he has financed over $500 million in home purchases.

  • Reverse Mortgages

264 South River Road, Office 412, Bedford, NH 03110
WebsiteLicense: 338923

Expertise.com Rating

Review Sources

Google
5.0 (30)
Zillow
5.0 (6)

Why choose this provider?

AnnieMac Home Mortgage is a lending company that caters to clients in Manchester and surrounding areas looking to purchase homes. Its team offers various loan options, including FHA, USDA, VA, conventional, renovation, and jumbo loans, and helps homebuyers navigate the mortgage process. AnnieMac Home Mortgage supports the community by holding annual fundraising events for Freedom Service Dogs of America and partnering with organizations like Toys for Tots and Habitat for Humanity. It is also an equal housing lender.

  • New Construction

47 Constitution Dr Suite 100, Bedford, NH 03110
WebsiteLicense: 119856

Expertise.com Rating

Review Sources

Facebook
4.9 (186)
Google
5.0 (120)
Zillow
5.0 (13)

Why choose this provider?

Northpoint Mortgage - Bedford serves property buyers and homeowners in Manchester and its surrounding areas. For more than 15 years, the agency has been providing a variety of mortgage programs, such as conventional, jumbo, USDA and rural, FHA, renovation, and veterans' loans. Its team of loan officers helps clients refinance an existing mortgage, buy and sell homes, and consolidate high-interest debt. In addition, they are licensed to accommodate policy buyers in Virginia, Florida, Pennsylvania, and Massachusetts.

  • Refinance

835 Hanover St. Unit 301, Manchester, NH 03104
WebsiteLicense: 1323739

Expertise.com Rating

Review Sources

Google
4.9 (129)
Zillow
5.0 (9)
Yelp
3.0 (2)

Why choose this provider?

Pinnacle Mortgage Corp. provides services to clients in Manchester and the surrounding areas. It serves individuals and families wishing to purchase homes in rural areas using USDA loan programs. It also assists homebuyers wanting to apply for FHA, jumbo, conventional, and VA loans. Fixed- and adjustable-rate mortgage plans are also available. Its president and founder, Kurt W. Strandson, is the former president of New Hampshire's Mortgage Bankers & Brokers Association. The agency extends its services to various states, such as Massachusetts, Pennsylvania, Texas, and South Carolina.

  • Reverse Mortgages

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.