Mortgages in Hopkinton, NH
Tom helps buyers and homeowners in Hopkinton, from Hopkinton village to Contoocook and West Hopkinton.
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
What should buyers know about Hopkinton?
Looking for a mortgage in Hopkinton, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Hopkinton and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Hopkinton's 2025 total property tax rate is $23.35 per $1,000 of assessed value (NH DRA). See every Merrimack County town's rate.
Hopkinton is just west of Concord, bordered by Webster, Concord, Bow, Dunbarton, Weare, Henniker and Warner. Interstate 89 crosses the town with interchanges at Exits 4, 5 and 6, and US 202 with Route 9, Route 103 and Route 127 connect its three villages: Hopkinton village, Contoocook and West Hopkinton. The Contoocook River runs through town, and the town is home to the Hopkinton State Fair, Rowell's Covered Bridge and the Contoocook Railroad Bridge.
Census estimates put about 87% of Hopkinton's roughly 2,400 housing units in single-family homes, and about 41% were built before 1960. Conventional, FHA, VA and NH Housing loans could fit many of these homes, and renovation loans can help with updates on an older house.
Hopkinton has two village centers, Hopkinton village and Contoocook, plus the Concord-Lake Sunapee Rail Trail. I-89 runs right through town, so Concord is minutes away.
Tom also works across Merrimack County and nearby towns, including Concord, Weare and Bow.
Neighborhoods and areas
- Hopkinton village
- Contoocook
- West Hopkinton
- Contoocook River
- Concord-Lake Sunapee Rail Trail
Which loan programs fit buyers in Hopkinton?
- Conventional. Suits a town where about 87% of homes are single-family houses.
- Renovation loans. Could help with updates in a town where about 41% of homes were built before 1960.
- FHA. May work for many of the town's single-family homes.
- 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 Hopkinton
See all 12 loan typesShow fewer
Buying or refinancing in Hopkinton?
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 Hopkinton
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- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Hopkinton? The free NH Business Hub is open to every local business.
Common questions about buying in Hopkinton
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Hopkinton, 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 Hopkinton 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 Hopkinton, NH?
Hopkinton's 2025 total tax rate is $23.35 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,335 a year. The payment calculator fills in Hopkinton's rate for you.
What are mortgage rates like in Hopkinton, NH?
Mortgage rates follow national markets, so they don't change much from Hopkinton 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 Hopkinton's 2025 rate, each $100,000 of assessed value adds about $195 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Hopkinton?
Hopkinton is in Merrimack County, where the 2026 one-unit FHA limit is $541,287 and the conforming limit is $832,750. 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 Hopkinton?
Programs that often fit in Hopkinton include Conventional, Renovation loans, FHA, VA and NH Housing. The loan programs section above explains why each may suit Hopkinton's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Hopkinton?
New Hampshire's real estate transfer tax is the same in Hopkinton 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 Hopkinton?
Start with a short conversation with Tom about your plans for Hopkinton. 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.
Ready when you are
Three easy ways to reach Tom. No cost, no obligation and no credit pull to start.
Get a call back
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