Mortgages in Kingston, NH
Tom helps Kingston buyers and homeowners, from Main Street and the village to West Kingston and Great 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 Kingston?
Looking for a mortgage in Kingston, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Kingston and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Kingston's 2025 total property tax rate is $17.90 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Kingston is in Rockingham County, with Route 125 running north and south through town and Route 111 crossing it. Kingston State Park covers 44 acres on the shore of Great Pond, with a sandy beach, and West Kingston lies southwest of the pond along the road to Danville.
Sanborn Regional High School, on Danville Road, serves Kingston, Newton and Fremont. Most Kingston residents own their homes. Conventional, FHA, VA and NH Housing loans could fit many purchases here, depending on the property and the buyer's plans.
FHA-approved condos: HUD lists 1 approved condo complex in Kingston (October 2026). See the list.
Kingston State Park has a sandy beach on Great Pond, and Main Street has a classic village feel. West Kingston sits along the road to Danville.
Tom also works across Rockingham County and nearby towns, including Plaistow, Hampstead, Exeter, Newton, Fremont, Danville and Brentwood.
Neighborhoods and areas
- Kingston village
- Main Street
- West Kingston
- Great Pond
- Kingston State Park
Which loan programs fit buyers in Kingston?
- Conventional. Suits many owner-occupied single-family homes.
- FHA. May work for many single-family homes, with flexible credit guidelines.
- 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 Kingston
See all 12 loan typesShow fewer
Buying or refinancing in Kingston?
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 Kingston
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
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Deerfield
- Allenstown
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Kingston? The free NH Business Hub is open to every local business.
Common questions about buying in Kingston
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Kingston, 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 Kingston 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 Kingston, NH?
Kingston's 2025 total tax rate is $17.90 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,790 a year. The payment calculator fills in Kingston's rate for you.
What are mortgage rates like in Kingston, NH?
Mortgage rates follow national markets, so they don't change much from Kingston 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 Kingston's 2025 rate, each $100,000 of assessed value adds about $149 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Kingston?
Kingston 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 Kingston?
Programs that often fit in Kingston include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Kingston's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Kingston?
New Hampshire's real estate transfer tax is the same in Kingston 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 Kingston?
Start with a short conversation with Tom about your plans for Kingston. 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
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