At Gate City Mortgage LLC, our experienced team brings over 200 years of collective experience in helping individuals and families secure the right mortgage solutions. Our dedicated staff is committed to providing personalized guidance and support throughout your home financing journey. With a wealth of knowledge and a passion for customer service, we strive to make your mortgage experience smooth and successful. Meet the team that is here to help you achieve your homeownership dreams.

Contact Gate City Mortgage

At Gate City Mortgage Company, we are dedicated to providing expert guidance and support throughout your home buying or refinancing journey. Our team of professionals is ready to assist you with personalized solutions tailored to your needs. Whether you have questions, need advice, or are ready to start the loan process, we’re here to help. Contact us today to take the first step towards your financial goals. Your success starts with us!

Loan Process Steps

The loan process involves several critical steps to ensure a smooth and successful home purchase or refinance. Start by determining how much you can borrow, then select the right loan program that fits your financial situation. Apply for your loan with Gate City Mortgage Company, and begin the loan processing stage, where your information will be verified. Finally, close your loan by reviewing and signing the final documents, paying necessary fees, and providing proof of insurance. This comprehensive guide helps you navigate each step with confidence and clarity.

Mortgage Basics

Mortgage Basics Jump in and get an overview on common mortgage terms Application Checklist Applying for a mortgage can be overwhelming, but being prepared can make the process smoother. This checklist covers essential documents you need, such as your property details,...
Application Checklist

Application Checklist

Applying for a mortgage can be overwhelming, but being prepared can make the process smoother. This checklist covers essential documents you need, such as your property details, income verification, sources of funds, and debt obligations. Providing accurate and complete information promptly can help speed up your application. From sales contracts and pay stubs to tax returns and bank statements, having everything ready will ensure you meet the requirements and move forward with confidence. Remember, every situation is unique, so additional documentation might be necessary.

Loan Programs

Loan Programs Which Mortgage is Right for You? There are several different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs. Fixed-Rate Mortgages A...

About Gate City Mortgage Company

Gate City Mortgage LLC, based in Nashua, New Hampshire, is committed to providing personalized mortgage solutions to fit each client’s unique needs. With a team of experienced professionals, we strive to offer the best mortgage products and competitive rates. Our dedication to customer service ensures a smooth and efficient process from application to closing. At Gate City Mortgage, we believe in building lasting relationships and helping clients achieve their homeownership dreams. Whether you are a first-time homebuyer or looking to refinance, we are here to guide you every step of the way.

Frequently Asked Questions

The Frequently Asked Questions (FAQ) page covers essential topics related to home loans, including understanding APR, the significance of credit scores, and the process of closing on a property. It provides detailed information on loan application requirements, the benefits and drawbacks of PMI, and various financing options like 80-10-10 loans. Additionally, it explains the importance of appraisals and the steps involved in refinancing a mortgage. This comprehensive guide is designed to help prospective homeowners navigate the complexities of securing and managing a mortgage.

Privacy Policy

At our company, customer service and privacy are paramount. We are committed to safeguarding our customers’ nonpublic personal information through stringent standards and confidentiality policies. This statement outlines our dedication to protecting customer data, detailing the types of information we collect, such as personal, transaction, and credit information, and the circumstances under which it may be disclosed. Our privacy practices ensure that data is treated confidentially and disclosed only as necessary or legally required.


Legal Disclaimer You are allowed to view and print information from this website for your personal, non-commercial use. Information Accuracy We believe the information on this website is reliable, but we don’t guarantee its completeness, timeliness, or accuracy....

Gate City Mortgage Company

We understand that every customer has unique needs. That’s why we offer a wide range of products, investment tools, mortgages, and personalized service to meet those needs. Our advanced technology enables you to submit a secure online loan application or pre-qualify for a home loan with ease. With access to over 30 lenders, we handle the shopping for you, ensuring you get the best rates and terms. How can we serve you next?



The Fair Credit Reporting Act (FCRA) ensures that consumer reporting agencies provide accurate and complete information to businesses evaluating your credit application. Key rights under the FCRA include receiving a copy of your credit report, knowing who accessed your report, and obtaining a free report if your application is denied due to CRA information. You can dispute inaccuracies in your report, and if not resolved, add a summary explanation. Understanding these rights helps protect your credit reputation and ensures fair credit evaluations.

Closing Costs

Closing Costs

Closing costs are essential payments needed to finalize a home loan, separate from your down payment. These costs cover various services, including inspections, title insurance, and appraisal fees. Additionally, expenses such as attorney fees, moving costs, and prepaid interest may arise. Understanding and preparing for these up-front expenses can help ensure a smoother home-buying process. By knowing what to expect, you can plan your finances better and avoid surprises at closing.



Understanding the appraisal process is crucial when buying or selling a home. An appraisal estimates a property’s fair market value and is typically required by lenders to ensure the loan amount doesn’t exceed the property’s worth. Appraisers use three methods to determine value: Cost Approach, Sales Comparison Approach, and Income Approach. While the mortgage company owns the appraisal, it can be transferred to another lender. Additionally, sellers set the property’s market value, often with the help of a real estate agent performing a Comparative Market Analysis. Assisting the appraiser by providing relevant details and documents can ensure a thorough assessment.

Private Mortgage Insurance

Private Mortgage Insurance

Private Mortgage Insurance (PMI) is often required by lenders when the down payment on a conventional mortgage is less than 20% of the home’s purchase price. PMI protects the lender in case of borrower default. Borrowers can pay PMI in various ways, including upfront premiums, higher monthly payments, or financing a lump-sum premium into the loan. PMI can help borrowers qualify for larger loans, though the costs vary based on the insurer and specific plan. Understanding how PMI works, how it’s paid, and the cancellation rules under the Homeowners Protection Act of 1998 is crucial for homebuyers.