With the Home Flex Plus program there is no requirement to repay the cash assistance. The program offers flexible underwriting criteria as well as government insurance, and may be used for purchasing or refinancing a home. There are no rate adjustments for credit or other overlays.

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Home Flex Plus

Financial Assistance for Homebuyers in New Hampshire

New Hampshire’s Home Flex Plus offers up to 3 percent of loan amounts in the form of cash funds, in order to help homebuyers afford the upfront costs of their new property. The available funds can be put towards the down payment, closing costs, and prepaid escrow expenses associated with purchasing a home. With the Home Flex Plus program there is no requirement to repay the cash assistance. The program offers flexible underwriting criteria as well as government insurance, and may be used for purchasing or refinancing a home. There are no rate adjustments for credit or other overlays.

Eligibility requirements:
  • All applicants must complete homebuyer education.
  • Applicants must meet income limits.
  • Applicants must meet all other guidelines follow the Home Flex mortgage program.
The Home Flex products can be combined with FHA, VA of USDA/Rural Development insurance programs. During the last time we checked, we learned that the following lenders are participants in the Home Flex Plus program:
  • Residential Mortgage Services  
  • Participating Lender
  • Regency Mortgage Corporation
  • Participating Lender
  • Merrimack Mortgage Company, LLC   
  • Participating Lender
  • Primary Residential Mortgage, Inc
  • Participating Lender
  • St. Mary's Bank     
  • Participating Lender
  • Mortgage Network, Inc.  
  • Participating Lender
  • Merrimack County Savings Bank
  • Participating Lender
  • Northway Bank     
  • Participating Lender
  • Northpoint Mortgage
  • Participating Lender
  • Meredith Village Savings Bank  
  • Participating Lender
  • Bank of New Hampshire  
  • Participating Lender
  • Cross Country Mortgage 
  • Participating Lender
  • Cousins Home Lending, Inc       
  • Participating Lender
  • Envoy Mortgage, LTD      
  • Participating Lender
  • Fairway Independent Mortgage
  • Participating Lender
  • Federal Savings Bank
  • Participating Lender
  • Finance of America Mtg. 
  • Participating Lender
  • First Eastern Mortgage   
  • Participating Lender
  • Franklin Savings Bank     
  • Participating Lender
  • Georgetown Bank  
  • Participating Lender
  • Holy Rosary Credit Union
  • Participating Lender
  • Kennebunk Savings Bank 
  • Participating Lender
  • Lake Sunapee Bank
  • Participating Lender
  • Mascoma Savings Bank   
  • Participating Lender
  • Milestone Home Loans    
  • Participating Lender
  • Mortgage Financial Inc   
  • Participating Lender
  • N.E. Moves Mortgage     
  • Participating Lender
  • NE Best Rate Mortgage   
  • Participating Lender
  • New England Regional Mortgage Corp
  • Participating Lender
  • Newburyport Five Cents Savings Bank 
  • Participating Lender
  • Northeast Bank     
  • Participating Lender
  • Northeast Home Loans    
  • Participating Lender
  • Pentucket Bank     
  • Participating Lender
  • Peoples United Bank, NA 
  • Participating Lender
  • Profile Bank, FSB  
  • Participating Lender
  • Radius Financial Group
  • Participating Lender
  • RBS Citizens NA    
  • Participating Lender
  • Ross Mortgage      
  • Participating Lender
  • Sage Bank    1-800-458-4598    
  • Participating Lender
  • Salem Five Mortgage Co., In     
  • Participating Lender
  • Sanford Institution for Savings  
  • Participating Lender
  • Savings Bank of Walpole
  • Participating Lender
  • Sugar River Bank  
  • Participating Lender
  • Union Bank 
  • Participating Lender
  • Waterstone Mortgage     
  • Participating Lender
  • Woodsville Guaranty Savings Bank

ABOUT NEW HAMPSHIRE HOUSING

New Hampshire Housing promotes, finances and supports affordable housing so hardworking Granite State residents can live where they work and play.

Specifically, the agency offers safe, fixed rate mortgages to low- and moderate-income homebuyers, it provides rental assistance to low-income families and individuals, and it finances the development of quality, affordable rental housing in New Hampshire.
 

Down Payment Grants in New Hampshire

With the Home Flex Plus program there is no requirement to repay the cash assistance. The program offers flexible underwriting criteria as well as government insurance, and may be used for purchasing or refinancing a home. There are no rate adjustments for credit or other overlays.