Mortgages in Concord, NH
Tom helps Concord buyers and homeowners compare loan options, from the North and South End neighborhoods to the villages of Penacook and West Concord.
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 Concord?
Looking for a mortgage in Concord, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Concord and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Concord's 2025 total property tax rate is $29.11 per $1,000 of assessed value (NH DRA). See every Merrimack County town's rate.
Concord, the state capital and seat of Merrimack County, sits on the Merrimack River. I-93 and I-89 join just south of the city, I-393 heads east toward the Seacoast, and US 3 serves as Main Street. Concord Area Transit runs local buses, Concord Coach Lines and Greyhound buses leave from the Concord Transportation Center, and Concord Municipal Airport handles general aviation. Landmarks include the State House and the McAuliffe-Shepard Discovery Center.
By state estimates, detached single-family houses make up less than half of Concord's housing, with units in two- to four-unit and larger multi-unit buildings accounting for most of the rest. The Concord Historic District north of downtown holds houses from the 1700s and 1800s, and Penacook grew as a mill town on the Contoocook River. Older homes and small multi-family buildings could call for renovation or 2 to 4 unit financing.
FHA-approved condos: HUD lists 7 approved condo complexes in Concord (October 2026). See the list.
Downtown Concord has the State House, Gibson's Bookstore and the McAuliffe-Shepard Discovery Center nearby. The North End has historic homes from the 1700s and 1800s, and Penacook and West Concord are popular villages.
Tom also works across Merrimack County and nearby towns, including Manchester, Bedford, Hooksett, Bow, Pembroke and Hopkinton.
Neighborhoods and areas
- North End
- South End
- Penacook
- Concord Heights
- East Concord
- West Concord
Which loan programs fit buyers in Concord?
- Conventional. Could suit detached single-family houses, the city's largest single housing type.
- FHA for 2 to 4 units (multi-family). Could fit two- to four-unit buildings, which hold more than 4,400 of the city's housing units by state estimates.
- Renovation loans. Could help update older houses, such as the 18th- and 19th-century homes in the Concord Historic District.
- Condo financing. Could fit residential condominiums, which city assessors track as their own property class.
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 Concord
See all 12 loan typesShow fewer
Buying or refinancing in Concord?
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
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Close to Concord
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Salem
- Derry
- Windham
- 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
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Concord? The free NH Business Hub is open to every local business.
Common questions about buying in Concord
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Concord, 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 Concord 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 Concord, NH?
Concord's 2025 total tax rate is $29.11 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,911 a year. The payment calculator fills in Concord's rate for you.
What are mortgage rates like in Concord, NH?
Mortgage rates follow national markets, so they don't change much from Concord 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 Concord's 2025 rate, each $100,000 of assessed value adds about $243 a month to your payment. The NH mortgage rates guide explains what sets your rate.
Why might a Concord tax bill differ from the price times the rate?
Your bill is figured on the assessed value, not the price you pay. In 2025, Concord's assessments ran at about 60.4% of market value (ratio, per City of Concord assessing database), so check the town's property card for any home you're considering. The city has contracted for a full revaluation for tax year 2026, so assessments will change. The NH property tax guide explains how assessments work.
What are the 2026 loan limits in Concord?
Concord 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 Concord?
Programs that often fit in Concord include Conventional, FHA for 2 to 4 units (multi-family), Renovation loans and Condo financing. The loan programs section above explains why each may suit Concord's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Concord?
New Hampshire's real estate transfer tax is the same in Concord 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 Concord?
Start with a short conversation with Tom about your plans for Concord. 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
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