Mortgages in Durham, NH
Tom helps buyers and homeowners in Durham, from the downtown and University of New Hampshire area to the quieter roads out toward Durham Point and Great Bay.
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 Durham?
Looking for a mortgage in Durham, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Durham and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Durham's 2025 total property tax rate is $18.87 per $1,000 of assessed value (NH DRA). See every Strafford County town's rate.
Durham is home to the University of New Hampshire, between Dover and Newmarket near the shore of Great Bay. Routes 4 and 108 run through town, and the town notes that Routes 101 and 33 and Interstate 95 are a short drive away. The Amtrak Downeaster stops at the Durham-UNH station on campus, with five trains each way daily between Boston and Brunswick, Maine, and Wildcat Transit buses connect Durham to Dover and Portsmouth.
Durham's housing is a near-even split. The town's planning data (Census estimates for 2014 to 2018) counted about 3,885 housing units, about 55% single-family and 45% in multi-family buildings, with most rentals in the multi-family group. That mix means conventional loans for single-family homes and small multi-family financing for owner-occupied two- to four-unit buildings both come up here.
Downtown Durham's Main Street sits right next to UNH, and the Downeaster stops on campus. The roads out toward Durham Point and Great Bay are some of the quietest in the area.
Tom also works across Strafford County and nearby towns, including Dover, Portsmouth, Stratham and Newmarket.
Neighborhoods and areas
- Downtown and Main Street
- UNH campus area
- Durham Point
- Oyster River
- Great Bay shoreline
Which loan programs fit buyers in Durham?
- Conventional. Suits the single-family homes that make up about 55% of the town's units.
- FHA for 2 to 4 units (multi-family). May work for an owner who lives in one unit of a two- to four-unit building, a large share of Durham's housing.
- FHA. May work for many single-family homes, with flexible credit guidelines.
- VA. Could finance a primary home for eligible veterans and service members.
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 Durham
See all 12 loan typesShow fewer
Buying or refinancing in Durham?
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
- Buying on the NH Seacoast
- Flood zones and flood insurance on the Seacoast
- NH property taxes and your payment
See all 6 guidesShow fewer
Close to Durham
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Rochester
- Exeter
- Plaistow
- Hampstead
- Hampton
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- 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 Durham? The free NH Business Hub is open to every local business.
Common questions about buying in Durham
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Durham, 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 Durham 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 Durham, NH?
Durham's 2025 total tax rate is $18.87 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,887 a year. The payment calculator fills in Durham's rate for you.
What are mortgage rates like in Durham, NH?
Mortgage rates follow national markets, so they don't change much from Durham 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 Durham's 2025 rate, each $100,000 of assessed value adds about $157 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Durham?
Durham 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 Durham?
Programs that often fit in Durham include Conventional, FHA for 2 to 4 units (multi-family), FHA and VA. The loan programs section above explains why each may suit Durham's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Durham?
New Hampshire's real estate transfer tax is the same in Durham 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 Durham?
Start with a short conversation with Tom about your plans for Durham. 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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