When you need major surgery, you want to get a second opinion from another medical specialist. So why not get a second opinion on what could be the largest and most important financial decisions you’ll ever make – buying your New Hampshire home or investment property?

If you’ve been pre-approved or pre-qualified for a mortgage by another lender, we’d like to review the deal and give you another viewpoint. We may be able to save you a lot of money. If not, you can move forward with your current lender, secure in the knowledge that you are being treated fairly.

You may have been quoted a fabulous interest rate, but if the mortgage isn’t structured properly, it could cost you more money. Sometimes, just restructuring a mortgage can save you tens of thousands of dollars.

Here are a few things to keep in mind when considering your loan offer:

• Should you decrease your downpayment and use the extra cash to pay off high-interest credit card debts?
• Should you pay “points” or “loan origination” fees?
• Does a no-cost mortgage make sense for you, or should you go with a lower rate?
• Are you better off with a fixed rate or adjustable rate mortgage?
• Do you qualify for special government loan programs?
• Would you like a program where the payment goes down after principal reduction payments ?
• Are you comfortable doing business with your lender? Do they offer a wide variety of products, competitive rates, a knowledgeable staff, and superior customer service?
• Is this, without a doubt, the best mortgage loan program for you? How do you know?

When you go to a doctor for a second opinion, it costs you money. However, getting a second opinion from Merrimack Mortgage Company, Inc. is absolutely FREE and will give you peace of mind. You have everything to gain and nothing to lose.