Your Hudson, NH loan officer
Tom MacDonald is a loan officer with Elite Mortgage Group who helps buyers and homeowners in Hudson, NH, from Hudson Village across the Merrimack from Nashua to the five-way crossroads at Hudson Center.
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: Eaton, NHWhat should buyers know about Hudson?
Looking for a mortgage in Hudson, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Hudson and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Hudson's 2025 total property tax rate is $17.11 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
Hudson lies across the Merrimack River from Nashua, with the Massachusetts line on its southern border. Route 3A is the main north-south road, Route 111 crosses from Nashua on the Taylor Falls and Veterans Memorial bridges, and Route 102 (Derry Street) begins in Hudson Village. The Circumferential Highway and Sagamore Bridge link the town to the Everett Turnpike. Benson Park, Robinson Pond and the former Hills Memorial Library building are local landmarks.
The town's 2025 master plan puts single-family homes at about 81% of Hudson's roughly 10,080 housing units, with multi-family buildings and a small share of manufactured homes making up the rest. About 12% of homes predate 1960, and 1,674 units were added between 2000 and 2020. Conventional, FHA and NH Housing loans could fit many of these properties, and FHA's 2 to 4 unit option may suit the smaller multi-family buildings.
FHA-approved condos: HUD lists 11 approved condo complexes in Hudson (October 2026). See the list.
Hudson is right next door to me in Litchfield, and it's a great town for supporting local businesses, from the shops and restaurants along Lowell Road (Route 3A) to Hudson Village by the bridges. Alvirne High School is a big part of town life, with the historic Hills House just across Derry Road. Benson Park, once Benson's Wild Animal Farm, is a favorite for walks, Robinson Pond is a summer spot, and Old Home Days brings everyone out every August. Massachusetts is close too: Route 3A runs south into Tyngsborough, and the Sagamore Bridge puts you on the Everett Turnpike, which becomes Route 3 into Massachusetts. Did you know? Benson's Wild Animal Farm ran as a zoo from the 1920s until 1987, with lions, elephants and a famous silverback gorilla named Colossus. The old gorilla cage and Elephant Barn are still standing in the park.
Tom also works across Hillsborough County and nearby towns, including Nashua, Litchfield, Londonderry and Pelham.
Neighborhoods and areas
- Hudson Village
- Hudson Center
- Robinson Pond
- Benson Park
- Route 3A/Lowell Road corridor
Is there a loan officer in Hudson, NH?
Yes. Tom MacDonald is a loan officer with Elite Mortgage Group, a mortgage broker at 300 Elm Street in Milford, NH, and he works with buyers and homeowners in Hudson on purchase loans, refinancing and pre-approvals, and he lives next door in Litchfield. He's available 7 days a week by phone or text at 603-851-4982. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.
Hudson resources
Which loan programs fit buyers in Hudson?
- Conventional. Fits the single-family homes that make up about 81% of Hudson's housing.
- FHA. May work for many single-family homes and for manufactured homes that meet FHA property rules.
- NH Housing. May fit a primary home among Hudson's single-family houses and smaller multi-family buildings.
- FHA for 2 to 4 units (multi-family). Could fit the town's 2 to 4 unit buildings when the owner lives in one unit.
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 Hudson
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Buying or refinancing in Hudson?
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 Hudson
See all 57 townsShow fewer
- Merrimack
- Amherst
- Hollis
- Weare
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- 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 Hudson? The free NH Business Hub is open to every local business.
Common questions about buying in Hudson
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Hudson, 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 Hudson 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 Hudson, NH?
Hudson's 2025 total tax rate is $17.11 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,711 a year. The payment calculator fills in Hudson's rate for you.
What are mortgage rates like in Hudson, NH?
Mortgage rates follow national markets, so they don't change much from Hudson 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 Hudson's 2025 rate, each $100,000 of assessed value adds about $143 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Hudson?
Hudson is in Hillsborough County, where the 2026 one-unit FHA limit is $589,950 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 Hudson?
Programs that often fit in Hudson include Conventional, FHA, NH Housing and FHA for 2 to 4 units (multi-family). The loan programs section above explains why each may suit Hudson's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Hudson?
New Hampshire's real estate transfer tax is the same in Hudson 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.
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How do I get pre-approved to buy in Hudson?
Start with a short conversation with Tom about your plans for Hudson. 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.
Are there FHA-approved condos in Hudson, NH?
Yes. As of November 2, 2026, HUD lists 11 approved condo complexes in Hudson, including 13 Lenny Lane Condominium, 15 A & B David Drive Condo, 165 Old Derry Road Condominium and others. Approval covers the whole complex and expires, so Tom checks HUD's list again before you write an FHA offer. See FHA-approved condos by town.
What does a mortgage loan officer do?
A loan officer helps you choose a mortgage, gets you pre-approved, collects your documents and guides the loan to closing. As a loan officer at a mortgage broker, Tom compares programs from 45 lenders instead of one bank's, and stays your contact from the first call to closing day in Hudson.
What should first-time buyers in Hudson prepare?
Start with your recent pay stubs, your last two years of W-2s (or tax returns if you're self-employed), recent bank statements, a photo ID and a list of your monthly debts. Tom then reviews your credit with you and gets you a pre-approval before you tour homes in Hudson. See the document checklist.
Which roads do Hudson commuters use?
Route 3A is Hudson's main north-south road. Routes 111 and 102 begin at the Taylor Falls and Veterans Memorial bridges from Nashua, and the Sagamore Bridge connects Hudson to the Everett Turnpike (US 3) in Nashua.
What loan types fit Hudson homes?
The town's 2025 master plan puts single-family homes at about 81% of Hudson's roughly 10,080 housing units, with multi-family buildings and a small share of manufactured homes making up the rest. Conventional, FHA, VA and NH Housing loans could fit many of these homes, and FHA's 2 to 4 unit option may suit the smaller multi-family buildings when you live in one unit. HUD's list showed 11 FHA-approved condo complexes in Hudson as of October 28, 2026.
Can I use a USDA loan in Hudson?
Usually not. When Tom checked USDA's eligibility map on October 30, 2026, Hudson was outside USDA's eligible rural area, the same as Nashua. Next-door Litchfield and Pelham were mostly inside it, so if USDA matters to you, Tom can compare homes on both sides of the line.
How does buying a home in New Hampshire work, start to finish?
- Get pre-approved, so you know your price range with Hudson's tax rate included.
- Make an offer. Your purchase agreement sets the dates for inspections, financing and closing.
- Inspect. If the home has a private well or septic system, add a water test and septic check.
- Apply for the mortgage. Your lender must send a Loan Estimate within 3 business days of your application.
- Appraisal and underwriting.
- Review your Closing Disclosure, which you must receive at least 3 business days before closing.
- Close. New Hampshire's transfer tax is $0.75 per $100 of the price, paid by both the buyer and the seller.
Is there first-time buyer help in Hudson?
NH Housing, the state's housing finance agency, offers programs statewide, including Home First for first-time buyers and Plus versions that add down payment assistance. For many programs, "first-time" means you haven't owned a home in the past three years. Income and purchase price limits apply, and some programs require a homebuyer education course. NH Housing loans are made through participating lenders, and Elite Mortgage Group is listed in NH Housing's directory of participating companies.
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