Tom MacDonald, NH mortgage loan officer
A Litchfield local with Elite Mortgage Group, helping southern New Hampshire buyers and homeowners compare options from 45 lenders.
I'm Thomas (Tom) MacDonald, a loan officer with Elite Mortgage Group. I live in Litchfield and help buyers and homeowners across southern New Hampshire, from Concord to the Massachusetts border plus Dover and the Seacoast, buy homes and refinance.
Buying a home is the biggest purchase most people make, and the mortgage is the part that feels the most confusing. My job is to make it clear. I'll explain your options in plain language, show you the full monthly cost with New Hampshire taxes included, and keep you and your agent updated from pre-approval to closing.
Because Elite Mortgage Group is a mortgage broker, I can compare loan options from 45 lenders to find the one that fits you, instead of fitting you into a single bank's menu. Here's how a broker differs from a bank.
Clients have direct access to me by phone, text and email throughout the process.
Buying for the first time? My first-time buyer guide walks through each step, and the learning center covers loan programs, closing costs and NH taxes. Local business owners, whether or not they work with me, can use the free NH Business Hub, and Service Connect lists local home pros as they join.
Did Tom help with your home loan? Your review helps other New Hampshire buyers.
Review us on GoogleOr leave one on Experience.com
- Call or text
- 603-851-4982
- Available
- 7 days a week.
- Follow Tom
- Credentials
- Elite Mortgage GroupNMLS #2748687Company NMLS #2502308MBRVerify on NMLS Consumer Access
- Licensed
- New Hampshire and Connecticut
- Also on
- Elite Mortgage Group's site · Experience.com · Google
- Contact card
- Save Tom to your phone
- Office
- Elite Mortgage Group, 300 Elm Street, Unit 2, Milford, NH 03055
Litchfield born and raised
Thomas MacDonald is a mortgage professional dedicated to helping clients achieve the American Dream of homeownership. He takes a customer-first approach, focusing on understanding each client’s needs and clearly explaining their options so they can move forward with confidence throughout the mortgage process.
Tom grew up in Litchfield, New Hampshire and attended Campbell High School, where he played football and lacrosse. His leadership and team-first mindset earned him the Coaches Award for lacrosse, reflecting his commitment to doing what’s best for those around him. He went on to attend Southern New Hampshire University, where he earned a degree in Finance and Accounting.
Outside of work, Tom enjoys fishing and attending New England Patriots games, valuing the camaraderie and connections built through both. He brings the same dedication, teamwork, and integrity to his clients that he values in his personal life.
Elite Mortgage Group in Milford
Tom is part of the Elite Mortgage Group team. Elite's office is at 300 Elm Street, Unit 2, in Milford.
What working with Tom looks like
The same steps for every client, whether it's a first home, a move-up or a refinance.
A conversation first
Your goals, the towns you're considering and the programs that may fit. It doesn't pull your credit.
Options from 45 lenders
As a broker, Elite can compare loan options from 45 lenders, with the full monthly cost and NH taxes included.
A letter for each offer
Your pre-approval letter, tailored to each offer you make, and a call to the listing agent when it helps.
Updates to closing day
You and your agent hear from Tom at each step: appraisal, underwriting, clear to close and keys.
Start with these guides
First-time buyer guide for NH
Budget, programs, pre-approval and the New Hampshire costs to plan for.
The loan processWhat happens after you apply
Each step from application to closing day, and the disclosures you'll get along the way.
Mortgage brokersMortgage broker vs. bank
How a broker differs from a bank or online lender, and how each is paid.
Rooted in southern New Hampshire
Living and working in the communities Tom serves.
Southern New Hampshire, from the Massachusetts line to Concord and Dover
Tom works with buyers and homeowners across the region, starting right at home in Litchfield and the towns around it: Hudson, Merrimack, Amherst, Hollis, Pelham, Weare, Londonderry, Nashua, Manchester and Milford, where Elite Mortgage Group's office is.
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- 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
Elite Mortgage Group
Best of the 603 Gold Winner, 2024, 2025 and 2026 (Manchester Media Group). elite-mortgagegroup.com
Writing about mortgages or housing in New Hampshire?
Tom MacDonald is a loan officer with Elite Mortgage Group, a Milford, NH mortgage broker named Best of the 603 Gold 2024-2026. He grew up in Litchfield and helps buyers, homeowners and real estate investors across southern New Hampshire. As a broker, he compares options from 45 lenders.
Topics Tom can speak to: getting pre-approved, first-time buyers, FHA and VA loans, investor loans (DSCR and multi-family), self-employed borrowers, New Hampshire property taxes, buying a home in winter and closing day.
Call or text Tom at 603-851-4982.
Thomas MacDonald, Elite Mortgage Group · NMLS #2748687 · Company NMLS #2502308MBR
Who is Tom MacDonald?
Tom (Thomas) MacDonald is a mortgage loan officer with Elite Mortgage Group in Milford, NH. He grew up in Litchfield and helps New Hampshire buyers and homeowners with mortgages and home financing. NMLS #2748687 · Elite Mortgage Group NMLS #2502308MBR.
Is Thomas MacDonald the same person as Tom MacDonald?
Yes. Thomas MacDonald goes by Tom. His mortgage license on NMLS Consumer Access is under Thomas MacDonald, and this site and his social profiles use Tom. He's a loan officer with Elite Mortgage Group in Milford, NH, and lives in Litchfield. Thomas MacDonald, NMLS #2748687 · Elite Mortgage Group NMLS #2502308MBR.
Where can I read reviews of Tom MacDonald?
Clients leave reviews on Tom's Google Business Profile, "Elite Mortgage Group - Thomas MacDonald", and on Experience.com. Google profile · Experience.com.
Is Tom a lender or a mortgage broker?
Tom works for Elite Mortgage Group, a mortgage broker. Elite does not lend its own money; Tom compares programs from 45 lenders and helps you choose the one that fits.
Where in New Hampshire does Tom help with mortgages?
Southern New Hampshire from the Massachusetts border to Concord, plus Dover and the Seacoast, including Nashua, Manchester, Hudson, Litchfield, Londonderry, Derry, Salem, Portsmouth and Hampton. See all towns on the areas page.
What kinds of home loans can Tom help with?
Purchase loans, refinances, cash-out refinances, HELOCs, FHA, VA, USDA, down payment assistance, renovation, construction, investment property and self-employed programs, depending on what each lender offers and what you qualify for.
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Where is Tom MacDonald's office?
At Elite Mortgage Group, 300 Elm Street, Unit 2, Milford, NH 03055. Elite Mortgage Group, LLC is a New Hampshire mortgage broker, and Tom works with clients across southern New Hampshire by phone, text and email.
How do I contact Tom MacDonald?
Call or text 603-851-4982 or email tom@elite-mortgagegroup.com. Tom is available 7 days a week. To start a pre-approval online, use the quick form.
Which Elite Mortgage Group does Tom work for?
Elite Mortgage Group, LLC, the New Hampshire mortgage broker at 300 Elm Street, Unit 2, Milford, NH 03055, Company NMLS #2502308MBR. Other companies use similar names, so the NMLS number is the surest way to confirm you have the right one.
What is Tom MacDonald's NMLS number?
Thomas MacDonald, Elite Mortgage Group, NMLS #2748687, Company NMLS #2502308MBR. You can confirm his license on NMLS Consumer Access, the free public lookup. See how to choose a loan officer for what else to check.
Which towns does Tom MacDonald work in most?
Tom lives in Litchfield, NH, and works most often with buyers and homeowners in Litchfield, Hudson, Merrimack, Amherst, Hollis, Pelham, Weare, Londonderry, Nashua, Manchester and Milford, where Elite Mortgage Group's office is at 300 Elm Street. He also helps clients across southern New Hampshire, from the Massachusetts line to Concord and the Seacoast. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.
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