Your Merrimack, NH loan officer
Tom MacDonald is a loan officer with Elite Mortgage Group who helps buyers and homeowners in Merrimack, NH, from Reeds Ferry to South Merrimack, just across the river from his home in Litchfield.
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: Lyndeborough, NHWhat should buyers know about Merrimack?
Looking for a mortgage in Merrimack, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Merrimack and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Merrimack's 2025 total property tax rate is $22.11 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
Merrimack sits on the west bank of the Merrimack River, across from Litchfield and north of Nashua. Everett Turnpike exits 10, 11 and 12 serve the town, and US 3 (Daniel Webster Highway) and Route 101A pass through. Its four villages are Merrimack Village, Reeds Ferry, Thornton's Ferry and South Merrimack. Merrimack Premium Outlets, Wasserman Park and Horse Hill Nature Preserve are here, and the Heritage Trail reaches Wildcat Falls on the Souhegan River.
Single-family homes are the most common housing type, and the town's 2013 master plan reported that 75% of its housing was built between 1960 and 1989. The rest of the stock includes multi-unit buildings, condominiums and manufactured homes. A renovation loan could be worth a look for a home from that era, while conventional, FHA or condo financing may suit many other purchases.
FHA-approved condos: HUD lists 5 approved condo complexes in Merrimack (October 2026). See the list.
Merrimack is just across the river from my home in Litchfield. Merrimack Premium Outlets, Wasserman Park and the Heritage Trail to Wildcat Falls are all here. Villages like Reeds Ferry and Thornton's Ferry give it a small-town feel.
Tom also works across Hillsborough County and nearby towns, including Nashua, Litchfield, Bedford and Amherst.
Neighborhoods and areas
- Merrimack Village (Souhegan Village)
- Reeds Ferry
- Thornton's Ferry
- South Merrimack
- East Merrimack
Is there a loan officer in Merrimack, 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 Merrimack 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.
Merrimack resources
- Merrimack property taxes and records
- New to Merrimack: a newcomer's checklist
- Town of Merrimack Assessing Department: property record cards, exemptions, current use
- Merrimack Public Library
- NH Housing homebuyer programs
Which loan programs fit buyers in Merrimack?
- Conventional. Most of the town's housing is single-family homes.
- FHA. The town has single-family homes and smaller two- to four-unit buildings.
- Condo financing. Condominiums are part of the local housing mix, per the town's master plan.
- Renovation loans. Much of the housing dates from 1960 to 1989 and may be due for updates.
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 Merrimack
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Buying or refinancing in Merrimack?
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 Merrimack
See all 57 townsShow fewer
- Hudson
- Hollis
- Pelham
- Weare
- Londonderry
- Manchester
- Salem
- Derry
- Windham
- 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 Merrimack? The free NH Business Hub is open to every local business.
Common questions about buying in Merrimack
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Merrimack, 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 Merrimack 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 Merrimack, NH?
Merrimack's 2025 total tax rate is $22.11 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,211 a year. The payment calculator fills in Merrimack's rate for you.
What are mortgage rates like in Merrimack, NH?
Mortgage rates follow national markets, so they don't change much from Merrimack 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 Merrimack's 2025 rate, each $100,000 of assessed value adds about $184 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Merrimack?
Merrimack 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 Merrimack?
Programs that often fit in Merrimack include Conventional, FHA, Condo financing and Renovation loans. The loan programs section above explains why each may suit Merrimack's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Merrimack?
New Hampshire's real estate transfer tax is the same in Merrimack 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 Merrimack?
Start with a short conversation with Tom about your plans for Merrimack. 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 Merrimack, NH?
Yes. As of November 2, 2026, HUD lists 5 approved condo complexes in Merrimack, including Country Crossing Condominiums, Eastridge Condominium, Indian Rock Village 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.
Which roads do Merrimack commuters use?
The F.E. Everett Turnpike runs through Merrimack, with Exits 10, 11 and 12 in town, connecting north toward Bedford and Manchester and south to Nashua and Route 3 into Massachusetts. US 3 (Daniel Webster Highway) runs through the villages, and Route 101A crosses South Merrimack toward Nashua and Amherst.
Can I use a USDA loan in Merrimack?
Usually not. When Tom checked USDA's eligibility map on October 30, 2026, nearly all of Merrimack was outside USDA's eligible rural area for home loans. Nearby towns such as Litchfield and Amherst were inside it, so ask Tom if USDA matters to you.
What loan types fit Merrimack homes?
Single-family homes are the most common, and the town's 2013 master plan reported that 75% of its housing was built between 1960 and 1989. Conventional and FHA loans fit many purchases (2026 Hillsborough County limits: $832,750 conforming, $589,950 FHA for one unit), condo financing fits the town's condo communities, and a renovation loan can make sense for a home from that era that needs updates. VA and NH Housing loans may fit too.
Should I test the well on a Merrimack home?
If the home has a private well, yes. NHDES's Saint-Gobain consent decree area includes parts of Merrimack, where PFAS were found in private wells. NHDES advises home buyers to test well water with an accredited lab, and it publishes a PFAS sampling map. Merrimack also has public water and sewer in parts of town, so the first question is how the home you're buying gets its water.
How does buying a home in New Hampshire work, start to finish?
- Get pre-approved, so you know your price range with Merrimack's tax rate included.
- Make an offer. Your purchase agreement sets the dates for inspections, financing and closing.
- Inspect, including a water test if the home has a private well.
- Apply for the loan. 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 Merrimack?
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.
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