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Fixed Rate Mortgages

Don't let upfront costs keep you from home ownership.

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At Members First, we're like little home loan champions - here to save the day! We're small enough to get to know you, which lets us make a big difference in your finances.

We offer a variety of fixed rate mortgage options on one to four family residences in New Hampshire with competitive rates and terms. Apply now to lock in today’s low rates and you'll be moving into your dream home in no time.


How can we make a difference for you today?


Why a Fixed Rate Mortgage at Members First?

  • Local servicing
  • Competitive rates
  • Set monthly payments

We heard from members who knew they could afford a mortgage payment; they just couldn't get over the hurdle of paying upfront costs. That’s why we designed the No Down Payment Mortgage and No Points, No Closing Costs Mortgage programs to allow you to purchase a home, whether you have little or no cash set aside. Our one-of-a-kind SuperFlex Mortgage lets you refinance from another financial institution at our low, fixed rates and payoff your mortgage sooner.

Not sure where your down payment is coming from? You’re not alone. We designed the No Down Payment Mortgage* so you can purchase your own home, with little or no money down.

  • No down payment
  • Fixed rate financing
  • Great for first time home buyers

*The No Down Payment Mortgage is made up of a first mortgage equal to 80% of the purchase price and a second mortgage equal to 20% of the purchase price. In no event shall the total of the two loans exceed the purchase price or appraised value, whichever is less. An escrow account for property taxes, homeowners insurance and flood insurance (if required) will be established at closing. Homeowners insurance is required. All borrowers on the loan must be owners of the property. Only 1-2 unit primary residences are permitted. Rates and terms vary and are based on credit history. Applicants must meet all program criteria including, but not limited to income, monthly debts, credit history and assets to be eligible. Minimum credit score of 660 for all borrowers is required.

No available cash for paying points or closing costs? We understand. That’s why we created the No Points, No Closing Costs Mortgage*. Purchase your own home without the added costs.

  • Zero points
  • No closing costs
  • Fixed rate financing
  • Great for refinancing

*An appraisal fee of $500.00 will be collected upon credit approval and reimbursed at the time of closing. 

No Closing Costs are incurred on Fixed Rate First Mortgage Loans with the following requirements: (1) No Closing Cost program is selected at application; the rate for this product is higher than the traditional rate. (2) Loan amount is $100,000.00 or greater. (3) Property is a Single-Family Primary Residence or Second Home. (4) All Borrowers have a credit score of 680 or better on 2 out of 3 credit bureaus. (5) Home is not listed for sale. (6) Member selects auto-transfer from a Members First account as a payment method. (7) Maximum Debt-to-Income ratio of 43%. (8) Loan meets investor requirements for Loan-to-Value, Mortgage Insurance approval if required, credit profile, appraisal, and title. 

At closing, a credit equal to the amount of the third-party bona fide charges will be reflected on the HUD Settlement statement, subject to the following exceptions: Fees for owner's title insurance or state transfer taxes (if transaction is a purchase) are not included in the No Closing Cost Program, and are the responsibility of the borrower. If the title is held in a trust, fees for trust review and trustee certificate preparation and recording will be incurred by member. Fees for additional title work or documentation to correct title defects will be charged at the time of closing and are not covered by the No Closing Cost program. Escrow Deposits and Interim interest from the date of disbursement to the 1st of the following month will be charged at the time of closing and are not covered by the No Closing Cost program. The appraisal fee will be collected at the time the appraisal is ordered. When this happens, you will be credited at closing for the amount of the appraisal fee collected. No refund of appraisal fee if loan does not close. If Mortgage Insurance is a requirement of the loan, the Mortgage Insurance premiums are not covered by the No Closing Cost Program. Homeowners insurance is a requirement of the loan and the cost of the insurance is not covered by the No Closing Cost program. If flood insurance is required, it is not covered by the No Closing Cost Program. 

Offer subject to change at any time.

Flex your muscle and your mortgage with SuperFlex Mortgage refinancing. With low, fixed rates and flexible terms, now is a great time to refinance and payoff your mortgage sooner. You choose the term in any monthly increment from 5 to 14 years.*

  • Zero points
  • Fixed rate financing
  • Great for home owners wishing to reduce the term on their mortgage

*Annual Percentage Rate accurate as of 10.1.19, subject to change without notice and based on credit history. Rates as low as 3.218% APR for 61 to 108 month terms with 108 monthly payments of $10.57 per thousand. Rates as low as 3.277% APR for 109 to 168 month terms with 168 monthly payments of $7.36 per thousand. APR based on a loan-to-value (LTV) of 80%, no Loan Level Price Adjustments (LLPAs) and loan amount of $100,000. APR reflects 0.125% discount with automatic funds transfer from a Members First account as a payment method. Additional rates and terms available. Monthly payments do not include escrow for taxes or mortgage insurance; actual payment obligation will be higher. Homeowners insurance is required. Membership and credit requirements apply.