NMLS #2748687 · Company NMLS #2502308MBR
Tom MacDonald · Mortgage loan officer in Litchfield, NH
Buying a home
A strong pre-approval letter and a full payment estimate, NH property taxes included, before you tour a single home.
Buying options
Tom MacDonald · Mortgage loan officer in Litchfield, NH
Your southern NH mortgage, from pre-approval to closing day.
Tom MacDonald is a loan officer with Elite Mortgage Group who grew up in Litchfield and helps buyers and homeowners in Litchfield, Hudson, Nashua and across southern New Hampshire with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders.
A few quick questions · No credit pull to start · Ready to apply? Apply on Elite's secure portal · Or call or text 603-851-4982
Read my Google reviews · Verify my license on NMLS Consumer Access
Best of the 603 GoldElite Mortgage Group, 2024 to 2026
Start here
Are you ready to get pre-approved?
Not sure which? See the difference
| Compare | Pre-approval | Guidance first |
|---|---|---|
| What it is | Elite Mortgage Group's secure application, reviewed by Tom | A call, text or email with Tom about your plans |
| Credit | Reviewed as part of the application | No credit pull |
| What you get | A pre-approval letter to send with your offers | A plan: a budget range, programs that may fit and what to do first |
| Best if | You're shopping now or making offers soon | You're a few months out, have credit or income questions, or want to understand the numbers |
You can start with guidance and move to pre-approval whenever you're ready. Neither one commits you to a loan.
The application opens on Elite Mortgage Group's secure portal. Rather talk first? or call 603-851-4982.
Guidance
Talk it through with Tom
A short, free conversation about your plans. No credit pull and no application.
Or start on your own
Buying my first home In the menu: Buy a home First-time buyersSeeing what I can afford In the menu: Calculators Affordability calculatorChoosing a loan program In the menu: Buy a home Loan programsFinding a real estate agent In the menu: Buy a home Find a real estate agentMoving from Massachusetts In the menu: Buy a home Moving from MassachusettsRefinancing or using my equity In the menu: Refinance Refinance optionsFinancing an investment property In the menu: Buy a home Self-employed and investorsLearning the mortgage terms In the menu: Learn Mortgage glossary
45Lenders to compareElite Mortgage Group is a mortgage broker, NMLS #2502308MBR
3 yearsBest of the 603 GoldElite Mortgage Group, 2024 to 2026
NH and CTLicensed loan officerNMLS #2748687Company NMLS #2502308MBRVerify on NMLS Consumer Access
7 daysA week to reach TomCall, text or email Tom any day
Services
How Tom can help
Refinancing
Tom compares your current loan with today's options and lays out the savings, closing costs and break-even point in plain numbers.
Refinance review Free mortgage checkup
Local businesses
Free tools to share with your customers, a free Service Connect listing and loans built for self-employed owners.
Visit the NH Business HubRun the numbers
Estimate your full monthly payment
Many online calculators leave out New Hampshire property taxes, which can add hundreds of dollars a month. This one includes taxes, insurance and mortgage insurance.
Southern New Hampshire
Towns Tom serves
Based in Litchfield, Tom works with buyers and homeowners from the Massachusetts border to Concord, plus Dover and the Seacoast.
See all 57 townsShow fewer
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Program highlights
The right program for your plans
As a mortgage broker, Elite Mortgage Group works with 45 lenders, so Tom can match you with the program that fits.
ConventionalBuyers with solid creditFHAFirst-time buyers and credit rebuildersVAVeterans, service members and surviving spousesUSDAHomes in eligible rural and suburban areasNH HousingFirst-time and moderate-income NH buyersJumboHigher-priced homesBank statement loansSelf-employed borrowersDSCR investor loansReal estate investorsCash-out refinanceHomeowners with equityHELOCHomeowners who want flexible access to equity
Program availability, eligibility and terms vary by lender and are subject to change and to underwriting approval. Not a commitment to lend.
Why Tom
Local know-how, clear strategy and options from 45 lenders
Direct access to your loan officer
One point of contact from pre-approval to closing, seven days a week.
Pre-approvals that strengthen your offer
Southern NH listings move fast. A solid letter from a local loan officer who answers the listing agent's call helps your offer stand out.
Options from 45 lenders
FHA, VA, USDA, conventional, NH Housing assistance, jumbo, and programs for self-employed buyers and investors, all through one loan officer.
Make the most of your budget
Tom compares programs, down payment assistance, rate buydowns and seller concessions so you know your real range.
Solutions for real estate investors
Multi-family purchases, loans that qualify on rental income, and cash-out refinances that fund your next deal. Investor and self-employed loans
Straight answers on New Hampshire costs
Property taxes and the transfer tax change your payment and cash to close. Tom shows those numbers up front.
Did Tom help with your home loan? Your review helps other New Hampshire buyers.
Review us on GoogleOr leave one on Experience.com
From the Merrimack Valley to the Seacoast
Helping New Hampshire buyers and homeowners, one closing at a time.
Thomas MacDonald
Loan Officer
Elite Mortgage GroupNMLS #2748687Company NMLS #2502308MBR
- 603-851-4982
- tom@elite-mortgagegroup.com
- Licensed in NH and CT
NH mortgages
Mortgages and home financing in New Hampshire, close to home
Tom MacDonald is a mortgage loan officer with Elite Mortgage Group, a mortgage broker in Milford, NH. He grew up in Litchfield, went to Campbell High School and Southern New Hampshire University, and still lives in town. He helps people across southern New Hampshire and the Seacoast buy a home, refinance, or take cash out of the equity they've built. As a broker, Tom compares loan options from 45 lenders, so you see more than one bank's programs: conventional, FHA, VA, USDA, renovation and investment property loans. Call or text Tom at 603-851-4982 to start with a conversation. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR. See Tom's Elite profile.
Who is Tom MacDonald?
Tom (Thomas) MacDonald is a mortgage loan officer with Elite Mortgage Group in Milford, NH, and lives in Litchfield. More about Tom.
What areas does Tom serve?
Southern New Hampshire from the Massachusetts border to Concord, plus Dover and the Seacoast. Tom is licensed in New Hampshire and Connecticut. See every town.
Is Elite Mortgage Group a lender or a broker?
A mortgage broker. Elite doesn't lend its own money; Tom compares programs from 45 lenders. Broker vs. bank, explained.
How do I get pre-approved?
Answer a few quick questions online or call or text Tom at 603-851-4982. There's no credit pull to start. How pre-approval works.
Does it cost anything to talk with Tom?
No. Talking through your plans and getting a payment estimate is free, with no obligation.
How should I choose a loan officer?
Check the license on NMLS Consumer Access, ask for the full payment with NH property taxes, and compare Loan Estimates. 10 questions to ask.
Ready when you are
Three easy ways to reach Tom. No cost, no obligation and no credit pull to start.
Get a call back
A few quick questions, then Tom calls you.
