The NateLoans Blog

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& Homebuying Insights

Straight talk on mortgages from a loan officer who's done it for 10+ years.

Manchester vs. Nashua vs. Salem NH: Which Should You Buy In? (2026)

Manchester-Nashua has spent much of 2026 bouncing between the #1 and #2 spots on Realtor.com's national hottest-markets ranking, and if you've been trying to buy anywhere in Southern New Hampshire this year, that statistic probably doesn't surprise you. What it might not tell you is how much winning a home here actually depends on strategy rather than luck, and that strategy looks different in Manchester than it does in Nashua or Salem.

August 18, 2026
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How PMI Works — And How to Get Rid of It

If you're buying a home with less than 20% down on a conventional loan, your lender is going to require private mortgage insurance — PMI. It shows up on your monthly statement, adds to your payment, and a lot of buyers don't fully understand what it is, why it exists, or how to get rid of it.

May 27, 2026
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How Much Income Do You Need for a $700K House?

Buying a $700,000 home is where affordability starts becoming heavily dependent on structure rather than just income. At lower price points, buyers can often qualify comfortably using standard conventional financing with manageable monthly payments. At $700K, the combination of interest rates, property taxes, insurance, condo fees, and existing debt starts materially impacting how much income is actually needed to make the numbers work.

May 8, 2026
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