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Mortgage Assistance

Get the Financial Help You Need to Lock Down Your Dream Home

Mortgage Assistance Benefits
With Service CU

We’re here to help make the path to homeownership easier. No matter which of the following situations applies to you, our kind and compassionate real estate lending experts are here to help you get the financial assistance you need to overcome the most common barriers to homeownership: lack of down payment and closing cost funds. 

I need extra funds for my down payment, and I am buying in New Hampshire

Through the New Hampshire Housing Finance Authority (NHHFA)’s Home First and Home First Plus programs, buyers with a max household income of $169,000 purchasing a single-family home can apply to receive down payment and closing cost assistance of up to $10,000.* This program also offers reduced rates on mortgage insurance rates, and low or no down payment options.

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We offer Veterans Affairs Home Loans, which are privately issued but government-backed mortgages for active and retired military members—which means they have low or no down payments and lower interest rates, and no monthly mortgage insurance. 

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The USDA Rural Development loan is a type of 0% down payment loan issued through the USDA loan program for eligible low-to-moderate income rural and suburban homebuyers. Any area with a population of 35,000 or less can qualify for a USDA Loan.** 

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ADUs are self-contained housing units located on a property that has a separate main residential unit. ADUs are in high demand as a more affordable housing option in major housing markets. Our ADU program offers a low down payment, a generous credit towards closing costs and a below-market interest rate. 

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Our renovation loans can be used to purchase and renovate a property or to refinance and renovate your existing residence. 

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*Cash assistance offer only available on qualifying loan products for applicants who meet income and property requirements. Property must be located in New Hampshire. Applicable cash assistance will be applied as a credit on the closing disclosure and is not transferable. Additional restrictions may apply. Offer subject to change or be discontinued at any time without notice. 

**Applicant subject to creditworthiness, debt-to-income, and property requirements. Please contact a mortgage specialist for additional program details and requirements.