Mortgages in Seabrook, NH
Tom helps buyers and homeowners in Seabrook, from Seabrook Beach on the ocean to the neighborhoods along Route 1 and Route 107.
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: New Castle, NHWhat should buyers know about Seabrook?
Looking for a mortgage in Seabrook, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Seabrook and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Seabrook's 2025 total property tax rate is $12.40 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Seabrook is the first New Hampshire town on Interstate 95 northbound, on the Massachusetts line at the southern end of the coast. Route 1 (Lafayette Road) runs through the middle of town, Route 107 heads west from Route 1, and Seabrook Beach fills the eastern end of town along the Atlantic, with Route 286 running from the beach into Massachusetts. Its rivers drain to Hampton Harbor.
Seabrook's housing is more mixed than most coastal towns. Census estimates put about half of its roughly 4,150 housing units in detached single-family homes, about 18% in manufactured homes, about 17% in buildings with five or more units and about 10% in two- to four-unit buildings, and some homes near the beach are seasonal. Conventional, FHA, VA and 2 to 4 unit loans could fit many of these homes, depending on the property and the borrower's plans.
FHA-approved condos: HUD lists 1 approved condo complex in Seabrook (October 2026). See the list.
Seabrook Beach fills the eastern end of town, and Route 1 (Lafayette Road) is lined with shops. It's the first New Hampshire town on I-95 northbound.
Tom also works across Rockingham County and nearby towns, including Hampton, North Hampton, Exeter and Kingston.
Neighborhoods and areas
- Seabrook Beach
- Lafayette Road (Route 1)
- Route 107
- Smithtown
- South Seabrook
Which loan programs fit buyers in Seabrook?
- Conventional. Suits single-family homes and many condos.
- FHA. May work for many single-family homes in town.
- 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.
- 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 Seabrook
See all 12 loan typesShow fewer
Buying or refinancing in Seabrook?
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 6 guidesShow fewer
Close to Seabrook
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
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Brookline
- New Boston
- Newmarket
- Epping
- Rye
- Greenland
- 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 Seabrook? The free NH Business Hub is open to every local business.
Common questions about buying in Seabrook
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Seabrook, 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 Seabrook 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 Seabrook, NH?
Seabrook's 2025 total tax rate is $12.40 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,240 a year. The payment calculator fills in Seabrook's rate for you.
What are mortgage rates like in Seabrook, NH?
Mortgage rates follow national markets, so they don't change much from Seabrook 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 Seabrook's 2025 rate, each $100,000 of assessed value adds about $103 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Seabrook?
Seabrook 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 Seabrook?
Programs that often fit in Seabrook include Conventional, FHA, FHA for 2 to 4 units (multi-family) and VA. The loan programs section above explains why each may suit Seabrook's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Seabrook?
New Hampshire's real estate transfer tax is the same in Seabrook 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 Seabrook?
Start with a short conversation with Tom about your plans for Seabrook. 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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