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First Time Homebuyer Mortgages


Your first home is out there, the perfect mortgage is right here! Many people avoid getting pre-approved to buy their first home due to their fear of the expense, of how much they qualify for, or often just fear of the unknown! We know buying a home can be a scary thing, that's why our team is here to walk you through the steps until you're standing outside your new home. Our team of mortgage professionals will be there to keep your mind at ease and help your dream of owning a home become a reality. You'll just need to find someone else to help you move all your things!

Bellwether has been Bringing New Hampshire Home for over 97 years, let us bring you home too. Below are the three First Time Homebuyer programs Bellwether offers, pick the one that works best for you or schedule an appointment with one of our mortgage professionals if you need a little help! We have also recently expanded our membership to include anyone living or working in Essex or Middlesex Counties in Massachusetts!


Bellwether's Easy Start Mortgage program was designed to make your home buying process easy, fun, and budget-friendly. Enjoy a down payment as low as 3% for purchase transactions, and don't worry about having to purchase private mortgage insurance (PMI), Bellwether won't make you pay for that. Our quality rates and excellent service make our Easy Start Mortgage one of the best options for first time homebuyer programs in New Hampshire and Essex/Middlesex Counties.
  • 3% Down
  • No PMI
  • Purchase Transaction Only
  • Owner-Occupied Properties Only


FHA Government loans provide flexible credit guidelines and requirements while offering low down payments.
The Federal Housing Administration, generally known as "FHA", provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 47.5 million properties since its inception in 1934.

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