Mortgages in Dover, NH
Tom helps Dover buyers and homeowners, from downtown along the Cochecho River to Dover Point.
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: Portsmouth, NHWhat should buyers know about Dover?
Looking for a mortgage in Dover, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Dover and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Dover's 2025 total property tax rate is $19.68 per $1,000 of assessed value (NH DRA). See every Strafford County town's rate.
Dover is the county seat of Strafford County and traces its history to a 1623 settlement at Dover Point, which makes it the oldest permanent settlement in New Hampshire. The Cochecho and Bellamy rivers run through the city toward the tidal Piscataqua River, which forms its eastern boundary with Maine. The former Cocheco mills downtown now house the Cocheco Falls Millworks, and the Dover Transportation Center is a stop on Amtrak's Downeaster.
In the state's community profile, about half of Dover's housing units are single-family homes, about 21% are in two- to four-unit buildings and about 26% are in buildings with five or more units. Conventional, FHA, VA and NH Housing loans could fit many of these homes, and owner-occupied loans can also work for a two- to four-unit building when you live in one of the units.
FHA-approved condos: HUD lists 3 approved condo complexes in Dover (October 2026). See the list.
Downtown Dover has the Cocheco Falls Millworks in the old mills and the Children's Museum of New Hampshire, and the Downeaster stops at the Dover Transportation Center. Dover dates to 1623, which makes it New Hampshire's oldest permanent settlement.
Tom also works across Strafford County and nearby towns, including Rochester, Durham, Portsmouth, Exeter, Somersworth and Barrington.
Neighborhoods and areas
- Downtown Dover
- Cochecho River
- Dover Point
- Bellamy River
- Garrison Hill
Which loan programs fit buyers in Dover?
- Conventional. Suits single-family homes, which make up about half of Dover's housing units.
- FHA. May work for many single-family homes, and for a two- to four-unit building when you live in one unit.
- VA. Could finance a primary home for eligible veterans and service members.
- NH Housing. May fit a primary home purchase, depending on the buyer and the program's rules.
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 Dover
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Buying or refinancing in Dover?
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 Dover
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Plaistow
- Hampstead
- Hampton
- Stratham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- 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 Dover? The free NH Business Hub is open to every local business.
Common questions about buying in Dover
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Dover, 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 Dover 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 Dover, NH?
Dover's 2025 total tax rate is $19.68 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,968 a year. The payment calculator fills in Dover's rate for you.
What are mortgage rates like in Dover, NH?
Mortgage rates follow national markets, so they don't change much from Dover 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 Dover's 2025 rate, each $100,000 of assessed value adds about $164 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Dover?
Dover is in Strafford County, where the 2026 one-unit FHA limit is $962,550 and the conforming limit is $962,550. 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 Dover?
Programs that often fit in Dover include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Dover's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Dover?
New Hampshire's real estate transfer tax is the same in Dover 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 Dover?
Start with a short conversation with Tom about your plans for Dover. 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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