Mortgages in New Boston, NH
Tom helps New Boston buyers and homeowners, from the village on Route 13 to the back roads toward Weare and Goffstown.
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 New Boston?
Looking for a mortgage in New Boston, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in New Boston and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. New Boston's 2025 total property tax rate is $23.67 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
New Boston is a rural Hillsborough County town west of Manchester. Route 13 passes through the village center, about 7 miles southwest of Goffstown and 11 miles north of Milford, and Route 136 heads north from town.
New Boston Central School serves the younger grades, and older students attend Goffstown's Mountain View Middle School and Goffstown High School under an agreement between the two districts. The town's community profile counts 1,786 single-family units out of 1,970 (2012 to 2016 estimates), so conventional loans fit many purchases, with FHA, VA and NH Housing loans worth comparing.
New Boston's village center on Route 13 is the heart of town. The back roads toward Weare and Goffstown are some of the prettiest around here.
Tom also works across Hillsborough County and nearby towns, including Goffstown, Weare, Amherst, Bedford, Mont Vernon and Lyndeborough.
Neighborhoods and areas
- New Boston village
- Route 13
- Route 136
Is there a loan officer in New Boston, 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 New Boston on purchase loans, refinancing and pre-approvals. He's available 7 days a week by phone or text at 603-851-4982. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.
New Boston resources
Which loan programs fit buyers in New Boston?
- Conventional. Suits a housing stock where about 9 in 10 units are 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 New Boston
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Buying or refinancing in New Boston?
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 New Boston
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Hollis
- Pelham
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Concord
- Milford
- Hooksett
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
Compare towns, with tax rates and loan limits
Own a business in New Boston? The free NH Business Hub is open to every local business.
Common questions about buying in New Boston
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for New Boston, 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 New Boston 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 New Boston, NH?
New Boston's 2025 total tax rate is $23.67 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,367 a year. The payment calculator fills in New Boston's rate for you.
What are mortgage rates like in New Boston, NH?
Mortgage rates follow national markets, so they don't change much from New Boston 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 New Boston's 2025 rate, each $100,000 of assessed value adds about $197 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in New Boston?
New Boston 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 New Boston?
Programs that often fit in New Boston include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit New Boston's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in New Boston?
New Hampshire's real estate transfer tax is the same in New Boston 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 New Boston?
Start with a short conversation with Tom about your plans for New Boston. 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.
Which roads do New Boston commuters use?
Routes 13, 77 and 136 cross New Boston and meet in the village center. Goffstown borders the town to the east, toward Manchester.
Can I use a USDA loan in New Boston?
Often, yes. When Tom checked USDA's eligibility map on October 30, 2026, New Boston fell inside USDA's eligible rural area for home loans. USDA loans also have household income limits, and eligibility is confirmed address by address, so Tom checks the exact property and your income first.
What loan types fit New Boston homes?
The town's community profile counts 1,786 single-family units out of 1,970 (2012 to 2016 estimates), so conventional loans fit many purchases, with USDA, FHA, VA and NH Housing loans worth comparing. Buying land to build on? Ask Tom about construction loans. HUD's list showed no FHA-approved condo complexes in New Boston as of October 28, 2026.
How does buying a home in New Hampshire work, start to finish?
- Get pre-approved, so you know your price range with New Boston'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 New Boston?
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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