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Merrimack style is treating everyone – customers, employees and community members – with dignity, care, respect and compassion.

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Mortgage Assistance Programs

Home Mortgage Assistance Options

If you are having difficulty paying your home mortgage, we may be able to help. As a community bank, working with you to come up with a solution that is acceptable to you and to the bank is a priority.

Please reach out to us as soon as you realize you may have difficulty as delays could decrease the options available to you and/or negatively impact your credit rating.

To contact us to learn more about your options and instructions for how to apply, please call 603.225.2793 or 800.541.0006.

If you need help, the following options may be possible, subject to lender approval:

  • Refinancing your mortgage with new terms, rates and payments. This may be especially helpful if you have an adjustable rate and/or a high-interest rate on your current mortgage.
  • Modifying your loan through an agreement to change the original terms of your mortgage, which could include changes in interest rate and/or extending the term of your mortgage.
  • Finding more affordable housing may be the best option for some who cannot afford to continue to pay their mortgage. In this situation, you may be able to sell your home and use the proceeds to pay off your current loan.

When you contact us, please be prepared with the following information:

  • Your monthly budget, including all of your income and expenses.
  • Copies of the most recent bills, pay stubs and tax returns.
  • An explanation of your situation.
  • Further documentation may be necessary.

In addition, there are several organizations that can assist you in exploring your options and/or help with household budgeting. They include:

  • The Consumer Financial Protection Bureau
  • The US Department of Housing and Urban Development (For more information call 800.569.4287)
  • Affordable Housing, Education and Development (AHEAD)
  • Concord Area Trust for Community Housing (CATCH)
  • Greenpath Debt Solutions
  • Money Management International in Portsmouth
  • Neighborworks of Southern New Hampshire
  • New Hampshire Housing Finance Authority
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PO Box 2826
Concord, NH 03302-2826
603.225.2793
800.541.0006
Telephone Banking: 888.224.6272
NMLS#433938

Equal Housing Lender | Member FDIC

© 2023 Merrimack County Savings Bank

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      • Savings, Money Markets, CDs & IRAs
      • Health Savings Accounts
      • Overdraft Programs
      • CheckReserve Line of Credit
      • Courtesy Pay
      • $5 Allowance
    • Home Lending
      • Home Lending Team
      • Apply
      • Rates
      • Home Lending
      • Home Loans for University Professionals
      • Home Loans for Medical Professionals
      • Home Equity Lines & Loans
      • Home Buying Road Map
      • First Time Homebuyers
      • Mortgage Assistance Programs
    • Personal Lending
      • Apply
      • Rates
      • Personal Lending
      • Cash Line
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Mutual Benefits Program
      • Mutual Benefits Program
      • Tiers and Benefits
      • Local Partners
      • Mutual Benefits Member Portal
      • Personality Quiz
    • Safe Deposit Boxes
  • Business
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      • General Lending Services
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      • Online, Mobile & Telephone Banking
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    • Wire Transfer Instructions
    • Newsletter
    • Banks Never Ask That
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      • Foundation Application
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      • Meredith Village Savings Bank
      • Savings Bank of Walpole
      • New Hampshire Mutual Bancorp
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