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HarborOne Mortgage is open for business. The health and safety of our customers and our team are of the utmost importance to us in this ever changing COVID-19 environment. Because of that, we are fortunate that our staff is able to work from home and online and ready to assist you with all of your home financing needs.


Zillow Reviews


Nellie was so helpful getting us into our first home! She was always there to answer any questions we had even when it was outside of normal hours of operation and was always honest and strait foward. It took us a good amount of time to get out credit to where it needed to be but she was there the whole time and that gave us a lot of comfort in what can be a very stressful and scary thing. I cant thank her enough!


Nellie helped in our refinancing our home (which she originally helped with the original mortgage). She was quick and responsive to all our refinancing needs. Her focus on the needs of her customer made the refinancing process very easy. We came back to Nellie due to her diligence to get things done right for our needs. Without question I am sure she can get your through your mortgage or refinance situation easily.


Super knowledgeable and was a tremendous help with organizing the documentation required for my VA loan! A great loan at a great rate delivered in a timely manner!


Not only did Nellie think outside the box in finding us a 20-year fixed mortgage at a ridiculously low rate, she went above and beyond to ensure that we were taken care of! Nellie took the time to answer all of our questions, and made sure that we were 100% comfortable with every step along the way. She really adds a personal touch, and by doing so, helped us find the perfect refinancing option for our family. We highly recommend!


My husband and I would highly recommend Nellie Doughty as a mortgage loan officer. She was able to process our mortgage loan far quicker than the bank or credit union. Houses were going under contract very quickly as sellers were choosing to work with buyers that could offer fast closings. Her expertise, professionalism, and patience made the process easy and fast. We are very happy in our new home! Nellie Doughty was pivotal in making that happen for us. Thank you, Nellie!


This is the second time I worked with Nellie. She was so helpful I couldn’t imagine working with anyone else when the time came around to buy again. Nellie was very knowledgeable and helpful throughout the entire process. She compared the different types of loans I qualified for and explained the pro's and con's of each. I feel like I got the best loan for my situation. When the time comes to buy again I won’t hesitate to call her again and would recommend her to anyone looking for assistance in buying a home.


A lot of things have changed since i bought my last home 37 years ago. Nellie was great. Helped us thru the whole process. She was easy to contact any time or day. I would highly recommend Nellie for any mortgage needs. Thanks for being there whenever we had a question.


I reached out to Nellie about a refinance initially based on a recommendation I'd seen from the realtor who originally sold us our house. We actually hadn't even been thinking about refinancing, but I figured maybe it was something worth looking into. Throughout the entire process (which involved starting down 1 path, then changing course partway down that path!), she was SO helpful! She always asked if we had more questions, making sure that she had explained things to us clearly, was absolutely no pressure the entire way. We were up front at the beginning and told her we weren't sure if we were ready to proceed with the refinance necessarily, but wanted to see what our options were, what the cost involved would be, etc before making a decision. She answered all of my (bazillion) questions quickly and thoroughly even though we were a bit of a question mark on whether or not we'd actually be doing the refi. Everything proceeded smoothly without any issues, and we knew exactly what was going on throughout the entire process. She even took the extra step of negotiating down a charge from the title company on our behalf (which I didn't even realize could be done!). If you're looking for a lender for a new home purchase or refinance in the Concord NH area, I would highly recommend reaching out to Nellie to get the ball rolling. This is our second go-round with Harbor One (they held our original mortgage as well), and both times we've had an extremely positive experience. We would recommend Nellie without any hesitation and if we have any home loan needs in the future, she would most definitely be our starting point!

scott rowe1

Nellie is wealth of knowledge and experience. She was always available to assist with any questions or concerns we had during the home purchasing process. She guided us thru the whole process that led to a nice smooth closing at the end. We would definitely recommend Nellie for anyone looking for a mortgage.


Nellie is such a knowledgable expert in the field. She was constantly available to help us, especially for moments of confusion about the process. But also, she was a really lovely person to work with. I recommend!!

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Customer Survey Reviews

Erica and James

Thank you!



Nellie went above and beyond!
Many thanks



Nellie was excellent to work with. She answered all my questions in a timely manner and exceeded my expectations.


Dana and Tanja

Nellie Doughty was extremely helpful during the purchasing process. With a tight timeline to close, she showed a solid effort to see to it that we could close in time. With her expertise, sense of urgency, and knowledge we felt like we were in good hands.


Michelle and Matthew

Nellie Doughty and Lynne Berry were wonderful to work with. They are very personable and made the loan process very simple.



It was all so easy!


Satisfied Customer

I have dealt with few loan officers previously. With all due respect some of the ones I dealt with were business as usual and that is kind of acceptable.
Lately, I have worked with Nellie and I felt that she is in the deal for my interest first.
For example, the more I interacted with her on different subjects and activities of the loan process, the more that became clearer.
She also offered me honest and courteous advice on what to do with my current property.
I truly felt the real service. Furthermore, due to my work schedule, weekend and evening calls and interaction with Nellie was not off limits.
She was always available at any reasonable point in time. She was kind enough to follow up where I could have slacked off.
I have recommended several of my friends every time I came across some of them looking for a loan or a finance.
As a matter of fact she is working on one of them at the time this review is being posted.



Nellie Jean Doughty, handled our loan from start to finish, excellent is the word to use, she actually went above and beyond what I felt a professional does. Every step of the loan process she made us feel comfortable, easy, relaxed that our loan was the only loan and every question was attended by her. I recommend that if you are looking for a loan please call Nellie to handle you biggest investment you will not go wrong.


Kaley and Keith

My fiance and I were both first time home buyers and we met Nellie by mere chance when we put in for a referral through NH Housing. She met with in November and gave us great advice. She told us exactly what we'd need to do to become credit worthy enough to be approved for a mortgage. Through the holidays, she followed up with us to check on our progress. In January, we met up with her again to get preapproved, and in April we closed on our first home! We couldn't have asked for a better loan officer. Nellie was knowledgeable, and got us the best loan possible for our situation. She knew exactly what we were looking for, and how much we could afford, and she made it happen. She answered all of our questions promptly, and we could always get ahold of her by text, email, or phone. By the end of this long process, she felt like a good friend because of how closely we worked with her. We were so happy, but so sad to see our relationship with Nellie end. If/when we buy another house, we would never consider working with anyone else, and I'd recommend Nellie to everyone and anyone!!!

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Thank you! - Erica and James
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