Mortgages in North Hampton, NH
Tom helps buyers and homeowners in North Hampton, from Little Boar's Head and North Hampton State Beach to the town center along Route 111 and Lafayette Road.
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
What should buyers know about North Hampton?
Looking for a mortgage in North Hampton, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in North Hampton and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. North Hampton's 2025 total property tax rate is $13.45 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
North Hampton sits between Hampton and Rye, with a short stretch of Atlantic shoreline. Interstate 95 and Route 1 (Lafayette Road) cross the town north to south, Route 1A follows the coast past North Hampton State Beach and the Little Boar's Head Historic District, Route 111 runs east to the shore, and Route 151 (Post Road) runs north to Greenland. Fuller Gardens and the 1844 town hall are local landmarks.
North Hampton is mostly single-family homes. Census estimates put about 83% of its roughly 2,200 housing units in detached single-family houses and about 11% in manufactured homes, with a small share held for seasonal use. Conventional, jumbo, VA and NH Housing loans could fit many of these homes, depending on the property and the borrower's plans.
North Hampton has Fuller Gardens, Little Boar's Head and North Hampton State Beach on its short stretch of coast. Most homes here are single-family.
Tom also works across Rockingham County and nearby towns, including Hampton, Rye, Stratham, Greenland and Seabrook.
Neighborhoods and areas
- Little Boar's Head
- North Hampton State Beach
- North Hampton Center
- Lafayette Road (Route 1)
- Post Road (Route 151)
Which loan programs fit buyers in North Hampton?
- Conventional. Suits a town where most homes are detached single-family houses.
- Jumbo. May be needed for higher-priced homes above the conforming limit.
- VA. Could finance a primary home for eligible veterans and service members.
- NH Housing. May fit a primary home purchase for eligible buyers.
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 North Hampton
See all 12 loan typesShow fewer
Buying or refinancing in North Hampton?
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
- Buying on the NH Seacoast
- Flood zones and flood insurance on the Seacoast
- NH property taxes and your payment
See all 4 guidesShow fewer
Close to North Hampton
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
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- 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 North Hampton? The free NH Business Hub is open to every local business.
Common questions about buying in North Hampton
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for North Hampton, 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 North Hampton 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 North Hampton, NH?
North Hampton's 2025 total tax rate is $13.45 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,345 a year. The payment calculator fills in North Hampton's rate for you.
What are mortgage rates like in North Hampton, NH?
Mortgage rates follow national markets, so they don't change much from North Hampton 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 North Hampton's 2025 rate, each $100,000 of assessed value adds about $112 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in North Hampton?
North Hampton 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 North Hampton?
Programs that often fit in North Hampton include Conventional, Jumbo, VA and NH Housing. The loan programs section above explains why each may suit North Hampton's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in North Hampton?
New Hampshire's real estate transfer tax is the same in North Hampton 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 North Hampton?
Start with a short conversation with Tom about your plans for North Hampton. 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
Three easy ways to reach Tom. No cost, no obligation and no credit pull to start.
Get a call back
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