Mortgages in Hampstead, NH
Tom helps Hampstead buyers and homeowners, from East and West Hampstead to Island Pond and Wash Pond.
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: Lake Winnipesaukee, NHWhat should buyers know about Hampstead?
Looking for a mortgage in Hampstead, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Hampstead and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Hampstead's 2025 total property tax rate is $19.09 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Hampstead is in Rockingham County, with Island Pond in the southwest, Wash Pond (also called Sunset Lake) near the center and Angle Pond on the northern border. NH 111 crosses the town diagonally, NH 121 runs north to south through the western part of town and NH 121A crosses East Hampstead. The Hampstead Meetinghouse, built between about 1749 and 1768, is on the National Register of Historic Places.
In the state's community profile, about 76% of Hampstead's housing units are single-family homes, and the profile lists private septic systems for sanitation. Hampstead's own schools run through grade 8, and high school students attend Pinkerton Academy in Derry. Conventional, FHA, VA and NH Housing loans could fit many of these homes.
Hampstead is a town of ponds: Island Pond, Wash Pond (Sunset Lake) and Angle Pond. The Hampstead Meetinghouse dates to the mid-1700s. Homes here use private septic systems, so we'll plan for that inspection.
Tom also works across Rockingham County and nearby towns, including Derry, Plaistow, Londonderry, Chester, Atkinson, Kingston, Sandown and Danville.
Neighborhoods and areas
- Hampstead village
- East Hampstead
- West Hampstead
- Island Pond
- Wash Pond (Sunset Lake)
- Angle Pond
Which loan programs fit buyers in Hampstead?
- Conventional. Suits a housing stock where about 76% of units are single-family homes.
- FHA. May work for many single-family homes.
- 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 Hampstead
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Buying or refinancing in Hampstead?
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 Hampstead
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Nashua
- Manchester
- Salem
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Exeter
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Raymond
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Hampstead? The free NH Business Hub is open to every local business.
Common questions about buying in Hampstead
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Hampstead, 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 Hampstead 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 Hampstead, NH?
Hampstead's 2025 total tax rate is $19.09 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,909 a year. The payment calculator fills in Hampstead's rate for you.
What are mortgage rates like in Hampstead, NH?
Mortgage rates follow national markets, so they don't change much from Hampstead 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 Hampstead's 2025 rate, each $100,000 of assessed value adds about $159 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Hampstead?
Hampstead 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 Hampstead?
Programs that often fit in Hampstead include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Hampstead's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Hampstead?
New Hampshire's real estate transfer tax is the same in Hampstead 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 Hampstead?
Start with a short conversation with Tom about your plans for Hampstead. 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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