Mortgages in Raymond, NH
Tom helps Raymond buyers and homeowners, from the village along the Lamprey River to the neighborhoods off Route 101.
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: Hancock, NHWhat should buyers know about Raymond?
Looking for a mortgage in Raymond, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Raymond and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Raymond's 2025 total property tax rate is $22.96 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Raymond sits on Route 101 about 16 miles east of Manchester and 12 miles west of Exeter, with exits 4 and 5 serving the village area. Routes 27, 102, 107 and 156 also cross the town, and the Lamprey and Exeter rivers drain it.
Raymond's homes include single-family houses, townhouses and condos, and about three-quarters of its housing units are owner-occupied. That mix means conventional and FHA loans for houses, and condo financing where the project qualifies, both come up here, along with VA and NH Housing loans for eligible buyers.
FHA-approved condos: HUD lists 2 approved condo complexes in Raymond (October 2026). See the list.
Raymond's village sits on the Lamprey River, with Route 101 exits 4 and 5 right there. It's about 16 miles to Manchester and 12 miles to Exeter.
Tom also works across Rockingham County and nearby towns, including Chester, Auburn, Exeter, Epping, Nottingham, Deerfield, Fremont and Candia.
Neighborhoods and areas
- Raymond village
- Lamprey River
- Route 101 exits 4 and 5
Which loan programs fit buyers in Raymond?
- Conventional. Suits many single-family homes and qualifying condos.
- 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 Raymond
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Buying or refinancing in Raymond?
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 Raymond
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
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Newton
- Allenstown
- Danville
- Brentwood
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Raymond? The free NH Business Hub is open to every local business.
Common questions about buying in Raymond
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Raymond, 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 Raymond 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 Raymond, NH?
Raymond's 2025 total tax rate is $22.96 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,296 a year. The payment calculator fills in Raymond's rate for you.
What are mortgage rates like in Raymond, NH?
Mortgage rates follow national markets, so they don't change much from Raymond 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 Raymond's 2025 rate, each $100,000 of assessed value adds about $191 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Raymond?
Raymond 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 Raymond?
Programs that often fit in Raymond include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Raymond's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Raymond?
New Hampshire's real estate transfer tax is the same in Raymond 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 Raymond?
Start with a short conversation with Tom about your plans for Raymond. 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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