Mortgages in Hampton, NH
Tom helps buyers and homeowners in Hampton, from Hampton Beach along Ocean Boulevard to the neighborhoods around the town center and Lafayette Road.
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: New Castle, NHWhat should buyers know about Hampton?
Looking for a mortgage in Hampton, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Hampton and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Hampton's 2025 total property tax rate is $12.61 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Hampton sits on the New Hampshire coast between North Hampton and Hampton Falls. Route 101, the Exeter-Hampton Expressway, connects Interstate 95 and Route 1 (Lafayette Road) to Hampton Beach, where it ends at Ocean Boulevard (Route 1A), which runs right along the beaches. I-95 leads north to Portland, Maine, and south to Boston.
Hampton has a large share of second homes. In the 2010 Census, 2,221 of the town's 9,921 housing units, about 22%, were held for seasonal or recreational use, most of them near the beach. Buyers here often weigh a primary home in town against a beach condo or a second home, and the loan options differ for each, so it helps to know how you'll use the property before you shop.
FHA-approved condos: HUD lists 3 approved condo complexes in Hampton (October 2026). See the list.
Hampton Beach along Ocean Boulevard has the Hampton Beach Casino Ballroom and the boardwalk crowds every summer. Plenty of homes near the beach are second homes, so we'll weigh a home in town against a beach condo.
Tom also works across Rockingham County and nearby towns, including Stratham, Exeter, Portsmouth, North Hampton and Seabrook.
Neighborhoods and areas
- Hampton Beach
- North Beach
- Town center
- Lafayette Road (Route 1)
- Ocean Boulevard (Route 1A)
Which loan programs fit buyers in Hampton?
- Conventional. Can finance a primary home, a second home or a condo, depending on how you'll use it.
- Condo financing. Comes up often near the beach, where many homes are condos.
- Second home financing. Fits buyers adding a beach home in a town where about 22% of units were seasonal in 2010.
- 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 Hampton
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Buying or refinancing in Hampton?
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 Hampton
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Plaistow
- Hampstead
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Rye
- 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 Hampton? The free NH Business Hub is open to every local business.
Common questions about buying in Hampton
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Hampton, 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 Hampton 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 Hampton, NH?
Hampton's 2025 total tax rate is $12.61 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,261 a year. The payment calculator fills in Hampton's rate for you.
What are mortgage rates like in Hampton, NH?
Mortgage rates follow national markets, so they don't change much from Hampton 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 Hampton's 2025 rate, each $100,000 of assessed value adds about $105 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Hampton?
Hampton 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 Hampton?
Programs that often fit in Hampton include Conventional, Condo financing, Second home financing and VA. The loan programs section above explains why each may suit Hampton's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Hampton?
New Hampshire's real estate transfer tax is the same in Hampton 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 Hampton?
Start with a short conversation with Tom about your plans for Hampton. 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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