Your Litchfield, NH loan officer

Start with a short conversation with Tom about your plans for Litchfield. 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.

Yes. Tom MacDonald, a loan officer with Elite Mortgage Group (Milford, NH), grew up in Litchfield and lives in town. Call or text 603-851-4982. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.

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 Litchfield.

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 Litchfield. See the document checklist.

Route 3A (the Charles Bancroft Highway) follows the Merrimack River from Hudson north to Manchester, and Route 102 crosses the town's southeast corner. Hillcrest Road is the main east-west road and leads to Londonderry. There's no bridge across the river in Litchfield, so Merrimack and the Everett Turnpike are reached by the bridges in Hudson and Nashua to the south or Manchester and Bedford to the north. Manchester-Boston Regional Airport is near the town's northern border.

Often, yes. When Tom checked USDA's eligibility map on October 30, 2026, nearly all of Litchfield fell inside USDA's eligible rural area for home loans, while neighboring Hudson and Nashua were outside it. USDA loans have household income limits, and eligibility is confirmed address by address, so Tom checks the exact property and your income first.

If the home has a private well, yes. NHDES's Saint-Gobain consent decree area includes parts of Litchfield, where PFAS were found in private wells, and Pennichuck extended public water lines to about 360 Litchfield homes as part of that response. Ask first whether the home is on Pennichuck water or a private well. For a well, NHDES advises testing with an accredited lab before you buy.

About 87% of Litchfield's housing units are single-family homes, with smaller numbers in multi-unit buildings and manufactured homes. Conventional, FHA (2026 limit $589,950 for one unit), VA, USDA and NH Housing loans could fit many of them, with conventional loans up to $832,750 in Hillsborough County in 2026. Manufactured homes have their own loan rules (see the manufactured homes guide). HUD's list showed no FHA-approved condo complexes in Litchfield as of October 28, 2026.

1. Get pre-approved, so you know your price range with Litchfield's tax rate included.
2. Make an offer. Your purchase agreement sets the dates for inspections, financing and closing.
3. Inspect, including a water test if the home has a private well.
4. Apply for the loan. Your lender must send a Loan Estimate within 3 business days of your application.
5. Appraisal and underwriting.
6. Review your Closing Disclosure, which you must receive at least 3 business days before closing.
7. Close. New Hampshire's transfer tax is $0.75 per $100 of the price, paid by both the buyer and the seller.

NH Housing, the state's housing finance agency, offers loan 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.