Program availability, eligibility and terms vary by lender and are subject to change and to underwriting approval. Not a commitment to lend.
Live where you vacation
Lakes, mountains and seacoast, all within an easy drive of southern New Hampshire.
Moving from Massachusetts?
Crossing the line into southern New Hampshire
Many buyers relocate to southern New Hampshire from Massachusetts for more space and no state income or sales tax.
The trade-off is property tax. NH towns fund most local services this way, with rates quoted per $1,000 of assessed value, so two homes at the same price can carry very different payments. Tom shows you the full monthly cost, town by town, before you fall for a house.
Tom works alongside experienced agents across southern New Hampshire and can introduce you to one who knows the towns and price range you're considering.
Agents matched to your towns, budget and timeline
Coordinated from offer to closing
Buyers and sellers, including Massachusetts relocations
No cost and no obligation
Your agent and your loan officer, working as one team.
Agent introductions are free and carry no obligation. Thomas MacDonald and Elite Mortgage Group, LLC neither pay nor receive any fee, referral or other thing of value for introductions.
Many first-time buyers qualify with a low down payment, and NH Housing offers help with upfront costs for eligible buyers. Tom walks you through what fits before you start touring.
Once you're pre-approved, hold off on new credit, large purchases and job changes until after closing, and call me before moving money between accounts. Small changes could affect your approval.
Tom MacDonald, Loan OfficerElite Mortgage Group · NMLS #2748687 · Company NMLS #2502308MBR
How long is a pre-approval letter good for?
Many letters are good for about 60 to 90 days, depending on the lender, because credit and income documents need to stay current. If yours runs out before you find a home, Tom can refresh it with recent pay stubs and statements.
Can I buy before I sell my current home?
It depends on whether you could qualify while carrying both homes for a while and how much cash you have for the new purchase. Tom can compare buying first, selling first and making your offer contingent on a sale.
What happens after I apply?
You'll receive a Loan Estimate within three business days. Then the appraisal is ordered and an underwriter reviews your file, which may bring requests for a few more documents before you're clear to close.
Do you help first-time buyers?
Yes. Tom walks you through each step, from your first budget to closing day, and explains the first-time buyer options that could fit.
Can family help with my down payment?
Many programs allow gift funds from a relative. You'll usually need a signed gift letter and a record of the transfer, so talk with Tom before the money moves. See using gift money for your down payment.
Ready when you are
Three easy ways to reach Tom. No cost, no obligation and no credit pull to start.
Tom MacDonaldLoan Officer · Elite Mortgage Group NMLS #2748687 · Company NMLS #2502308MBR
Hi, I'm Tom. What can I help you with? Pick a topic for a quick answer, or send me a message and I'll reply myself.
Quick answers are automatic, written from this site's guides. They are general information, not advice or a commitment to lend. Messages go to Tom directly.
Most buyers start with a pre-approval, so you know your price range before you tour and your offer is taken seriously. Tom can walk you through it and answer questions along the way.
You can start your application online through Elite Mortgage Group's secure portal, or send Tom a message and he'll help you get started. The site itself never asks for your Social Security number or documents.
Rates change daily and depend on your credit, the loan type, the property and more, so Tom quotes them one on one rather than on the website. Send him a message or a text and he'll get back to you with real numbers for your situation.
Whether a refinance makes sense depends on your current loan, your goals and the costs involved. Tom's free mortgage checkup looks at your loan and tells you plainly if a change is worth it, with nothing expected.
New Hampshire Housing has down payment and closing cost assistance programs for buyers who qualify, and gift funds from family can help too. Tom can tell you which ones may fit you.
Elite Mortgage Group is a broker with access to 45 lenders, including options for self-employed borrowers and real estate investors, like bank statement and rental income loans.
New Hampshire has no income tax on wages, but property taxes vary a lot from town to town, so it helps to compare a few towns before you choose. Tom lives in Litchfield and works with buyers across southern NH.
