Business Details
Your Trusted Mortgage Partner in Dover, NH
For over 25 years, we have dedicated ourselves to transforming the mortgage experience for homeowners across New Hampshire and nationwide. Our team of seasoned professionals, led by Scott Mertens with over a decade of mortgage expertise, specializes in simplifying complex loan processes while prioritizing client needs. We combine deep industry knowledge with personalized service, ensuring borrowers feel confident from pre-approval to closing. Our commitment to innovation is reflected in our interactive tools and educational resources designed to demystify mortgage decisions. With a track record of 4.9-star reviews and an average loan closing time of 21 days, we consistently deliver efficient, transparent solutions.Our team's collective experience spans diverse rolesfrom underwriting to loan processingenabling us to address unique financial circumstances with tailored strategies. We pride ourselves on fostering long-term relationships built on trust, expertise, and a shared goal of making homeownership accessible and affordable for every client.
Services
Mortgage Loan Processing
Refinancing Options
First-Time Homebuyer Programs
Mortgage Calculators
Underwriting Services
Loan Pre-Approval
Home Equity Loans
Jumbo Loan Solutions
Credit Counseling
Online Mortgage Tools
Highlights and features
- We offer 10+ years of mortgage expertise with a 21-day average loan closing time.
- Our team is licensed in 49 states, ensuring nationwide service capabilities.
- We provide personalized guidance through complex mortgage processes with transparency.
- Our 4.9-star reviews reflect consistent client satisfaction and trust.
- We specialize in tailored solutions for first-time buyers and unique financial situations.
Associations and certifications
- NMLS
What people say
4.9-star reviews
Personalized service
Efficient loan closings
Expert guidance
Transparent communication
Services
Mortgage Loan Processing
Our mortgage loan processing service streamlines the application journey from document submission to final approval. Experienced processors ensure compliance with industry regulations while maintaining clear communication with borrowers. This service reduces delays through proactive verification of financial records, property appraisals, and title searches, contributing to our 21-day average closing timeline.
Refinancing Options
We analyze current market rates and client financial profiles to identify optimal refinancing opportunities. Our team explains break-even points, equity considerations, and potential savings through personalized consultations. This service caters to clients seeking lower monthly payments, shorter loan terms, or cash-out options while maintaining loan stability.
First-Time Homebuyer Programs
Specialized guidance helps first-time buyers navigate down payment requirements, credit score thresholds, and government-backed loan programs. We explain FHA, USDA, and local assistance options while addressing common concerns about closing costs and pre-approval processes. Educational resources supplement one-on-one counseling to build client confidence.
Mortgage Calculators
Interactive online calculators estimate monthly payments, compare loan terms, and project refinancing savings. These tools incorporate current interest rates and property tax data to provide accurate financial planning insights. Users receive downloadable reports to share with financial advisors or real estate agents for comprehensive decision-making.
Loan Pre-Approval
Our pre-approval service evaluates creditworthiness, debt-to-income ratios, and employment history to establish borrowing capacity. This documented verification strengthens purchase offers while helping clients set realistic home search parameters. The process includes explanations of rate locks, loan contingencies, and conditional requirements.
People
Scott Mertens
Branch Manager
With over 10 years in mortgage banking, Scott Mertens specializes in residential loans. He transitioned from sub-prime lending to lead his Dover branch, focusing on client education and relationship-building. His team consistently achieves 4.9-star reviews through transparent communication and efficient loan closings.
Stacey Mood
Licensed Loan Processor
Stacey Mood brings 10+ years of loan processing experience, particularly assisting first-time homebuyers. She simplifies documentation requirements and maintains open communication throughout the loan journey. Outside work, she enjoys outdoor activities with her family and traveling.
Maryanne Goyette
Underwriter
Maryanne Goyette has 20+ years in mortgage underwriting after serving as a loan officer and processor. Her comprehensive industry perspective ensures thorough risk assessment while maintaining client-focused solutions. She balances her mortgage career with family time and hockey-related activities.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, USDA, VA, jumbo, and home equity loans. Our team explains each option's requirements and helps clients choose based on financial goals and eligibility.
How does the mortgage pre-approval process work?
Pre-approval involves verifying income, assets, and credit history. We review documentation to determine loan amount eligibility, explain conditional requirements, and provide a formal pre-approval letter for home shopping.
Can you help first-time homebuyers with down payment concerns?
Yes, we specialize in first-time buyer programs with low down payment options, including FHA loans requiring 3.5% down and local assistance programs. We explain grant opportunities and gift fund guidelines.
What information is needed to start a mortgage application?
Basic applications require proof of income, asset statements, identification, and property details. Our processors guide clients through specific documentation needs based on loan type and individual circumstances.
How long does the mortgage closing process typically take?
Our average closing time is 21 days. Timelines depend on appraisal scheduling, title search completion, and prompt submission of required documentation from borrowers.
