Sable & Finch Lending · Manchester, NH
Plate I The loan officer, at work

A field guide to your first house.

A loan officer at a desk with a rate sheet and an open calendar
Specimen no. 1 — a rate sheet, a calendar, and no particular hurry. The first twenty minutes are a conversation, not an application.

Start with the nest egg. Then we’ll look at the nest. Twenty minutes, in plain English, with a loan officer who works in Manchester and knows these counties street by street.

This week’s open times
Book a time

Prefer the phone? (555) 014-2290

Free · 20 minutes · No obligation

Plates II – VI · The services

Five services, one to a plate.

Take the one you need and leave the rest. Each plate below holds a single service, with the price on the left and the plain-English version alongside it.

A kitchen table with a notebook, calculator and two cups of coffee
Specimen no. 2 — where most first houses actually begin: a kitchen table and a rough idea of what you can afford.
Plate II

Twenty-minute rate consult

Twenty minutes, on the phone or at the desk. Bring whatever questions you have about rates, monthly payments and what you can afford, and leave with a straight answer and a clear next step.

FreeBook online

Plate III

Pre-approval

A letter from the lender that states what you can borrow, so a seller takes your offer seriously. You’ll hear back within 24 hours.

Free24-hour turnaround

Plate IV

First-time buyer workshop

A free workshop that runs once a month, for anyone who has never done this before. Down payments, credit, closing costs, and all the words that get used around you without explanation.

FreeMonthly

A small group seated around a table at a first-time buyer workshop
Specimen no. 3 — the monthly workshop. Six or eight chairs, one table, and questions asked out loud.
Plate V

Refinance review

If you already own your home, we run the numbers on your current loan against today’s rate and tell you honestly whether it’s worth moving. No obligation either way.

$0No obligation

Plate VI

Realtor co-branded pre-approval

For agents: a pre-approval letter that carries your name alongside ours, ready for your buyer’s offer.

From $450For realtors

How it works

Four steps, and only the first one has to happen today.

Nobody arrives with a perfect folder. You arrive with what you have, and we work from there.

Booking a consult commits you to nothing. It’s a conversation about numbers, not an application.

  1. 01

    Book a time

    Pick any open slot in the twenty-minute calendar — by phone or at the desk in Manchester.

  2. 02

    Come as you are

    No file, no folder, no polished questions. Bring what you have and we start from there.

  3. 03

    Get the numbers in plain English

    What you can afford, what it costs each month, and what comes next — explained without jargon.

  4. 04

    Pre-approval, usually inside a day

    If you’re ready to move, pre-approval comes back within 24 hours, free of charge.

Service area

Hillsborough, Rockingham and Merrimack counties.

If you’re buying in one of these towns, the drive to the desk is short and the market talk is local. The same person you meet at the consult is the one who answers the phone later.

Manchester · Nashua · Concord · Derry · Bedford · Salem

Township register
  • 01Manchester
  • 02Nashua
  • 03Concord
  • 04Derry
  • 05Bedford
  • 06Salem
A row of New England triple-decker porches on a residential street
Specimen no. 4 — the ordinary street where most first houses in these counties are found.
A notebook, keys and a printed calendar on a desk in soft light
Specimen no. 5 — a time, circled. That is the whole first step.
Plate VII Book a time

Let’s put a time on the calendar.

Twenty minutes, free, no obligation. Pick a slot that suits you and we’ll take it from there — one step at a time, in your own order.

This week’s open times
Book a time

Or call the desk: (555) 014-2290

Manchester, NH · Hillsborough, Rockingham & Merrimack counties