Mortgages in Pembroke, NH
Tom helps Pembroke buyers and homeowners, from Suncook village to North Pembroke and Pembroke Hill.
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 Pembroke?
Looking for a mortgage in Pembroke, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Pembroke and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Pembroke's 2025 total property tax rate is $21.84 per $1,000 of assessed value (NH DRA). See every Merrimack County town's rate.
Pembroke is in Merrimack County just southeast of Concord, and the rivers that form most of its borders gave Three Rivers School its name. US Route 3 runs along Pembroke Street through Suncook village toward Concord, and NH Route 28 crosses the town's northeastern corner. About two-thirds of Suncook village lies in Pembroke, with the rest in Allenstown.
Suncook's housing mixes single-family homes, multi-family buildings, condos and apartments above downtown businesses, so small multi-family financing for owner-occupied two- to four-unit buildings comes up here alongside conventional, FHA and VA loans. Pembroke's schools are Pembroke Hill School (K-4), Three Rivers School (5-8) and Pembroke Academy, the public high school in SAU 53 that also takes students from Allenstown, Epsom and Chichester.
FHA-approved condos: HUD lists 2 approved condo complexes in Pembroke (October 2026). See the list.
Most of Suncook village is in Pembroke, with shops and apartments along Pembroke Street (US 3). If you're thinking about a 2 to 4 unit building to live in, it's worth a look.
Tom also works across Merrimack County and nearby towns, including Concord, Bow, Hooksett and Allenstown.
Neighborhoods and areas
- Suncook village
- Pembroke Street
- North Pembroke
- Pembroke Hill
Which loan programs fit buyers in Pembroke?
- Conventional. Suits many of the single-family homes outside the village.
- FHA for 2 to 4 units (multi-family). May work for an owner who lives in one unit of a two- to four-unit building, common in Suncook village.
- FHA. May work for many single-family homes, with flexible credit guidelines.
- VA. Could finance a primary home for eligible veterans and service members.
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 Pembroke
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Buying or refinancing in Pembroke?
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
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Close to Pembroke
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Milford
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Pembroke? The free NH Business Hub is open to every local business.
Common questions about buying in Pembroke
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Pembroke, 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 Pembroke 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 Pembroke, NH?
Pembroke's 2025 total tax rate is $21.84 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,184 a year. The payment calculator fills in Pembroke's rate for you.
What are mortgage rates like in Pembroke, NH?
Mortgage rates follow national markets, so they don't change much from Pembroke 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 Pembroke's 2025 rate, each $100,000 of assessed value adds about $182 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Pembroke?
Pembroke is in Merrimack County, where the 2026 one-unit FHA limit is $541,287 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 Pembroke?
Programs that often fit in Pembroke include Conventional, FHA for 2 to 4 units (multi-family), FHA and VA. The loan programs section above explains why each may suit Pembroke's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Pembroke?
New Hampshire's real estate transfer tax is the same in Pembroke 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 Pembroke?
Start with a short conversation with Tom about your plans for Pembroke. 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.
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