Portsmouth NH & the surrounding Seacoast towns, enable its inhabitants to live a life that is rich in texture and deeply rooted in history.  There are a wide array of amazing opportunities & experiences just waiting to be had.  There is a little something to offer for so many who would seek out such a place.

I can speak to the nature of “my” Portsmouth.  My family has resided in this town continuously since 1810.  My two sons mark the seventh generation, and I believe that they will find a community here that is interesting, caring & spirited.

My town is summer.  It is the sound of laughter spilling from backyards and pools, or dancing across the hot sands of the beach.  It’s Cookouts, Prescott Park, Market Square, Leary Field, eating & drinking, tugboats and decks.  There is music to be heard and rays to be captured on closed eyes, while sitting content in a restaurant on a lively river.

Fall, beautiful in its transformation from too short summers, turning to winter and all the while framing & silhouetting an always moving picture.  A vibrant & evolving town that somehow takes steps forward while keeping its footing in a past not forgotten by many who truly call this “home.”

DO’S AND DON’TS FOR BORROWERS DURING PROCESSING

During the processing of your loan there are certain Do’s and Don’ts which may affect the outcome of your loan request.  These remain in effect not only until your loan is approved, but also until the loan is actually closed, funded and recorded.  Many times credit, income and assets are re-verified after you have signed your financial loan documents.  We suggest that you comply with this list.

Make sure you do NOT:

• Quit your job or get another job unless it is in the same line of work and for equal or more money.
• Please call if this occurs as it can affect the timing of closing on your new loan.
• Allow anyone to make an inquiry on your credit report.
• Change bank accounts or transfer money within your existing accounts.  We understand that this is necessary at times but be prepared to provide complete documentation to trace any transfer of funds.
• Co-sign for anyone.
• Purchase an auto or take on any additional debt.
• Purchase any other real estate.
• Apply for credit anywhere or complete any other credit application.
• Charge any additional debt on any current credit (do not run up your credit cards).
• Start any home improvements that are not a condition of the loan.

Make sure you DO:

• Keep all accounts current, including rent, mortgages, car payments, credit cards, etc…
• Keep copies of all paycheck stubs, bank statements and any statements on bills being paid off through this loan.
• Make payments on all accounts on or before the due date, even if the account is being paid off with your new loan.