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First-Time Homebuyer Program


Unlock the Door to Your First Home!

Our First-Time Homebuyer Program is designed to make homeownership accessible and affordable for all first-time buyers.


Key Features

  • Borrow up to $500,000.00.

  • Offered to first-time homebuyers only.

  • Only 5% down payment required.

  • No requirement for mortgage insurance.

  • Multiple term options available to repay the loan.

  • Origination fee is waived.

  • Specific requirements for loans secured by manufactured homes exist. Talk to us for more information.


Frequently Asked Questions

How are Mortgage Pre-Approvals and Mortgage Pre-qualifications different?

  • Pre-approvals are authorized mortgage decisions that tell a home buyer how much home they’re permitted to purchase and for which mortgage rates and programs the buyers qualify. Pre-approvals use verified credit scores, income and asset information, and employment history. They’re a reliable, accurate tool to help you buy your home.

  • Pre-qualifications estimate how much home you can buy based on self-assessment and self-reporting.

Is it better to buy or rent?

Each person’s needs differ but a home is an investment.  The benefits of buying a home are:

  • You start to build equity for future needs.

  • There can be tax benefits when owning a home.

  • Having a home provides stability and eliminates the risk of increasing rental expense.


What costs can I expect to pay at closing?

  • Appraisal

  • Credit Bureau Fee

  • Employment Verification Fee

  • Attorney Fee

  • Title Search and Filing Fees

  • Title Insurance

  • Tax Escrow Deposits – if you are required or elect to escrow for property taxes.

  • Homeowners Insurance Deposits – if you are required to escrow for insurance.

  • Tax Monitoring Fee

  • Transfer Tax – New Hampshire only


Do I have enough for a down-payment?

The down-payment depends on the type of loan you are obtaining and type of home you are purchasing.  There are many federal grant programs that allow borrowers to put down 0%.  Conventional first time homebuyer programs usually require as little as 3-5% down.



To have a conversation or begin the loan process today, contact Ed Bidlack, Cody Marshall, Tiffany Staples or stop by any one of our convenient financial centers.


Ed-Bidlack_new.pngEd Bidlack, Vice President, Senior Residential Banking Team Leader 

NMLS# 16682

Phone: 1 (603) 526-5606   |

178 County Road, New London, NH 03257


CodyMarshall_web.pngCody Marshall, AVP, Financial Center Manager

NMLS# 1165771

Phone: 1 (603) 640-2670   |

38 South Main Street, Hanover, NH 03755



Tiffany Staples, Residential Banking Advisor

NMLS# 2048651

Phone: 1 (603) 415-2759   |

1 Pillsbury Street, Suite 303, Concord, NH 03301



 Loans subject to credit and property approval. Additional terms and conditions may apply. Program subject to change or discontinuation. 
Ledyard National Bank NMLS# 407525

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