Mortgages in Rye, NH
Tom helps buyers and homeowners in Rye, from Rye Harbor and the beaches along Route 1A to West Rye and the neighborhoods near the Portsmouth line.
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: Portsmouth, NHWhat should buyers know about Rye?
Looking for a mortgage in Rye, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Rye and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Rye's 2025 total property tax rate is $8.37 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Rye runs along the coast between Portsmouth and North Hampton. Route 1A follows the shore past Jenness State Beach, Rye Harbor State Park, Wallis Sands State Beach and Odiorne Point State Park, home of the Seacoast Science Center, while short stretches of Route 1 and Route 1B cross the west and north ends of town. Rye Beach in the south has its own post office and zoning rules, and four of the Isles of Shoals belong to Rye.
Rye is mostly single-family homes. Census estimates put about 83% of its roughly 2,900 housing units in detached single-family houses, with about 37% built before 1960, and close to one in five homes held for seasonal use. Conventional, jumbo and second home loans could fit many of these homes, depending on the property and the borrower's plans.
Rye runs along the coast past Rye Harbor, Wallis Sands and Odiorne Point, home of the Seacoast Science Center. Many homes are older, and close to one in five is a seasonal home.
Tom also works across Rockingham County and nearby towns, including Portsmouth, North Hampton, Greenland and Hampton.
Neighborhoods and areas
- Rye Harbor
- Rye Beach
- Jenness Beach
- Wallis Sands
- Odiorne Point
- West Rye
Which loan programs fit buyers in Rye?
- Conventional. Suits a town where most homes are detached single-family houses.
- Jumbo. May be needed for higher-priced homes above the conforming limit.
- Second home financing. May fit a seasonal home near the beaches for a buyer who lives elsewhere.
- 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 Rye
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Buying or refinancing in Rye?
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 Rye
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- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- 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 Rye? The free NH Business Hub is open to every local business.
Common questions about buying in Rye
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Rye, 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 Rye 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 Rye, NH?
Rye's 2025 total tax rate is $8.37 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $837 a year. The payment calculator fills in Rye's rate for you.
What are mortgage rates like in Rye, NH?
Mortgage rates follow national markets, so they don't change much from Rye 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 Rye's 2025 rate, each $100,000 of assessed value adds about $70 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Rye?
Rye 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 Rye?
Programs that often fit in Rye include Conventional, Jumbo, Second home financing and VA. The loan programs section above explains why each may suit Rye's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Rye?
New Hampshire's real estate transfer tax is the same in Rye 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 Rye?
Start with a short conversation with Tom about your plans for Rye. 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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