Mortgages in Bedford, NH
Tom helps buyers and homeowners in Bedford, from the South River Road corridor to the trails on Joppa Hill, finance single-family homes and home updates.
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
What should buyers know about Bedford?
Looking for a mortgage in Bedford, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Bedford and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Bedford's 2025 total property tax rate is $16.49 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
Bedford sits on the west bank of the Merrimack River beside Manchester. The Everett Turnpike, I-293 and Route 101 meet in town, US 3 and Route 114 also pass through, and Manchester-Boston Regional Airport is about seven miles away. Commercial areas line South River Road and parts of Route 101, including Market and Main. Joppa Hill has marked trails and an educational farm, and the Pulpit Rock Conservation Area is in the northwest.
Most of Bedford's housing units are single-family homes, and few are in two- to four-unit buildings. With little of the town's land left to develop, many purchases are existing homes that could need updates. Conventional financing could suit much of this housing, and larger homes may call for a jumbo loan.
FHA-approved condos: HUD lists 1 approved condo complex in Bedford (October 2026). See the list.
Bedford has Market and Main for shopping and dining, with the South River Road and Route 101 corridors close by. Joppa Hill's trails and farm and the Pulpit Rock Conservation Area are great spots. Most homes here are existing single-family houses.
Tom also works across Hillsborough County and nearby towns, including Manchester, Merrimack, Amherst, Goffstown and New Boston.
Neighborhoods and areas
- South River Road
- Route 101 corridor
- Market and Main
- Joppa Hill
- Pulpit Rock Conservation Area
Is there a loan officer in Bedford, NH?
Yes. Tom MacDonald is a loan officer with Elite Mortgage Group, a mortgage broker at 300 Elm Street in Milford, NH, and he works with buyers and homeowners in Bedford on purchase loans, refinancing and pre-approvals. He's available 7 days a week by phone or text at 603-851-4982. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.
Which loan programs fit buyers in Bedford?
- Conventional. Single-family homes make up most of the town's housing.
- Jumbo. Larger homes on bigger lots may need a loan above conforming limits.
- Renovation loans. With little land left to develop, updating an existing home may be the practical route.
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 Bedford
See all 12 loan typesShow fewer
Buying or refinancing in Bedford?
Tell Tom a little about your plans and he'll follow up personally. There's no credit pull to start.
Read reviews: Google · Experience.com
Helpful guides
Close to Bedford
See all 57 townsShow fewer
- Litchfield
- Hudson
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Salem
- Derry
- Windham
- Concord
- Milford
- Hooksett
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Bedford? The free NH Business Hub is open to every local business.
Common questions about buying in Bedford
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Bedford, 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 Bedford 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 Bedford, NH?
Bedford's 2025 total tax rate is $16.49 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,649 a year. The payment calculator fills in Bedford's rate for you.
What are mortgage rates like in Bedford, NH?
Mortgage rates follow national markets, so they don't change much from Bedford 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 Bedford's 2025 rate, each $100,000 of assessed value adds about $137 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Bedford?
Bedford is in Hillsborough County, where the 2026 one-unit FHA limit is $589,950 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 Bedford?
Programs that often fit in Bedford include Conventional, Jumbo and Renovation loans. The loan programs section above explains why each may suit Bedford's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Bedford?
New Hampshire's real estate transfer tax is the same in Bedford 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 Bedford?
Start with a short conversation with Tom about your plans for Bedford. 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.
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.