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James Nigro

James Nigro

Senior Loan Officer

2 International Drive, Suite 101, Portsmouth, NH 03801
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.97 out of 5.0 stars
4.92
5.0
Michelle
Jan 16, 2024
Verified

Jim did a great job!
Tami
Dec 19, 2023
Verified

Very smooth & James was super informative every step of the way.
Pamela
Dec 19, 2023
Verified

James did!
Brenda
Dec 19, 2023
Verified

Professional, knowledgeable, and personable. Very smooth closing.
That Red C
Dec 05, 2023
Verified

James helped me when others did not. He was very professional through the whole process, kept me in the loop and answered any and all questions I had. James made me feel like we were a team and that he wasn’t just in it for the check and that he really wanted to help get me into a home. Jessica was also very helpful through the process. James and Jess are the people you want to see if you need a mortgage. I’m thankful that James was apart of my team and would highly recommend his service.
Kimberly
Nov 20, 2023
Verified

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NMLS ID #34752
I am authorized to do business in the states of Massachusetts, Maine and New Hampshire. MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 34752;