Mortgages in Epping, NH
Tom helps buyers and homeowners in Epping, from the village center on the Lamprey River to West Epping and the newer neighborhoods off Route 125.
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: Hancock, NHWhat should buyers know about Epping?
Looking for a mortgage in Epping, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Epping and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Epping's 2025 total property tax rate is $15.00 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Epping sits at a crossroads of the Seacoast and the Manchester area. The Route 101 expressway crosses town with three exits, Route 125 runs north and south past the commercial area near Exit 7, and Route 27, the older road between Exeter and Manchester, passes through the traditional center. The Lamprey and Piscassic rivers drain the town, and the Rockingham Recreational Trail follows a former railroad bed.
Epping has grown quickly. Census estimates put about 44% of its roughly 3,300 housing units in homes built since 2000, with about 70% detached single-family homes and the rest split among townhouses, apartment buildings and manufactured homes. Conventional, FHA, VA and NH Housing loans could fit many of these homes, depending on the property and the borrower's plans.
FHA-approved condos: HUD lists 3 approved condo complexes in Epping (October 2026). See the list.
Epping sits where the Seacoast meets the Manchester area, and Telly's Restaurant is a local institution. The shops near Route 125 and Exit 7 and the Rockingham Recreational Trail are popular too.
Tom also works across Rockingham County and nearby towns, including Exeter, Raymond, Newmarket, Kingston, Nottingham, Fremont and Brentwood.
Neighborhoods and areas
- Epping village center
- West Epping
- Route 125 near Exit 7
- Lamprey River
- Rockingham Recreational Trail
Which loan programs fit buyers in Epping?
- Conventional. Suits a town where most homes are detached single-family houses.
- FHA. May work for many single-family homes, most of them built since the 1960s.
- VA. Could finance a primary home for eligible veterans and service members.
- NH Housing. May fit a primary home purchase for eligible buyers.
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 Epping
See all 12 loan typesShow fewer
Buying or refinancing in Epping?
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 Epping
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- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Atkinson
- Brookline
- New Boston
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Newton
- Deerfield
- Allenstown
- Danville
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Epping? The free NH Business Hub is open to every local business.
Common questions about buying in Epping
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Epping, 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 Epping 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 Epping, NH?
Epping's 2025 total tax rate is $15.00 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,500 a year. The payment calculator fills in Epping's rate for you.
What are mortgage rates like in Epping, NH?
Mortgage rates follow national markets, so they don't change much from Epping 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 Epping's 2025 rate, each $100,000 of assessed value adds about $125 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Epping?
Epping is in Rockingham 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 Epping?
Programs that often fit in Epping include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Epping's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Epping?
New Hampshire's real estate transfer tax is the same in Epping 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 Epping?
Start with a short conversation with Tom about your plans for Epping. 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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