Mortgages in Allenstown, NH
Tom helps buyers and homeowners in Allenstown, from Suncook village along the river to the neighborhoods near Bear Brook State Park.
By Tom MacDonald, Loan Officer · Tax rate from NH DRA, 2025Elite Mortgage GroupNMLS #2748687Company NMLS #2502308MBR
No credit pull to start · Options from 45 lenders · Call or text 603-851-4982
Pictured: Lyndeborough, NHWhat should buyers know about Allenstown?
Looking for a mortgage in Allenstown, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Allenstown and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Allenstown's 2025 total property tax rate is $24.88 per $1,000 of assessed value (NH DRA). See every Merrimack County town's rate.
Allenstown sits between Pembroke, Bow, Hooksett, Candia, Deerfield and Epsom, with the Merrimack River on its western edge and the Suncook River to the northwest. US 3 and Route 28 run together through Suncook, the village Allenstown shares with Pembroke. Bear Brook State Park covers about half the town.
Allenstown has more variety in its housing than most nearby towns. Census estimates put about 43% of its roughly 2,000 housing units in single-family homes, about 35% in manufactured homes and other types, and about 22% in buildings with 2 or more units. Conventional, FHA, VA and NH Housing loans could fit many of these homes, and some manufactured homes can be financed too, depending on how they're built and titled.
Allenstown is home to Bear Brook State Park, one of the biggest state parks in New Hampshire, and Suncook village sits along the river. US 3 and Route 28 make Concord and Manchester easy drives.
Tom also works across Merrimack County and nearby towns, including Pembroke, Bow, Hooksett, Candia and Deerfield.
Neighborhoods and areas
- Suncook village
- Bear Brook State Park
- Suncook River
- Deerfield Road
- Bear Hill
Which loan programs fit buyers in Allenstown?
- Manufactured home loans. Some manufactured homes, about 35% of the town's housing with other types, can be financed depending on how they're built and titled.
- FHA. May work for many of the town's homes, including some manufactured homes.
- Conventional. Suits the town's single-family homes.
- FHA for 2 to 4 units (multi-family). Could fit an owner-occupied building among the town's 2 to 4 unit homes.
- NH Housing. May fit a primary home purchase for eligible buyers.
As a mortgage broker, Elite Mortgage Group works with 45 mortgage lenders, so Tom can shop your loan with many of them at once. Eligibility and terms vary by lender and program.
For buyers and homeowners in Allenstown
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Buying or refinancing in Allenstown?
Tell Tom a little about your plans and he'll follow up personally. There's no credit pull to start.
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Helpful guides
Close to Allenstown
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- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Fremont
- Danville
- Brentwood
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Allenstown? The free NH Business Hub is open to every local business.
Common questions about buying in Allenstown
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Allenstown, NH?
Tom MacDonald, a loan officer who lives in Litchfield, NH. He works with Elite Mortgage Group, a mortgage broker at 300 Elm Street in Milford, NH, and helps buyers and homeowners in Allenstown compare loan options from 45 lenders. NMLS #2748687 · Elite Mortgage Group NMLS #2502308MBR. Call or text 603-851-4982, or read more about Tom.
What is the property tax rate in Allenstown, NH?
Allenstown's 2025 total tax rate is $24.88 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,488 a year. The payment calculator fills in Allenstown's rate for you.
What are mortgage rates like in Allenstown, NH?
Mortgage rates follow national markets, so they don't change much from Allenstown to other New Hampshire towns. What differs is how each lender prices your loan, based on your credit, down payment, loan program and the property. Tom compares pricing from the 45 lenders Elite Mortgage Group works with for your scenario on the same day. What does change by town is property tax: at Allenstown's 2025 rate, each $100,000 of assessed value adds about $207 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Allenstown?
Allenstown is in Merrimack County, where the 2026 one-unit FHA limit is $541,287 and the conforming limit is $832,750. Loans above the conforming limit are jumbo loans. The FHA guide and the loan limit guide have the details.
Which loan programs fit homes in Allenstown?
Programs that often fit in Allenstown include Manufactured home loans, FHA, Conventional, FHA for 2 to 4 units (multi-family) and NH Housing. The loan programs section above explains why each may suit Allenstown's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Allenstown?
New Hampshire's real estate transfer tax is the same in Allenstown as everywhere in the state: $0.75 per $100 of the price, charged to both the buyer and the seller at closing. See the transfer tax calculator or the closing costs guide.
How do I get pre-approved to buy in Allenstown?
Start with a short conversation with Tom about your plans for Allenstown. It doesn't pull your credit. Then you complete Elite Mortgage Group's secure application, Tom reviews your income, assets and credit, and you get a pre-approval letter to send with your offers. The pre-approval guide lists the documents to gather.
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