Mortgages in Stratham, NH
Tom helps buyers and homeowners in Stratham, from the Route 33 corridor by Stratham Hill Park to the neighborhoods along Route 108 and the Squamscott River.
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 Stratham?
Looking for a mortgage in Stratham, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Stratham and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Stratham's 2025 total property tax rate is $13.52 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Stratham sits between Exeter and Portsmouth, where several state routes meet. Route 33 (Portsmouth Avenue) runs about nine miles from Route 108 in Stratham to Route 1 in Portsmouth, passing Stratham Hill Park on the way. The Route 101 expressway crosses the southern part of town. Stratham Hill Park and the Gordon Barker Town Forest share a trail network, and most of the town drains to the Squamscott River, which flows north into Great Bay.
Stratham is mostly single-family homes. Census-based estimates put about three-quarters of its roughly 3,000 housing units in detached single-family houses, with townhouses and duplexes making up most of the rest. Conventional, VA and NH Housing loans could fit many of these homes, depending on the property and the borrower's plans.
Stratham Hill Park and the Gordon Barker Town Forest share a great trail network. Shops line Portsmouth Avenue (Route 33), and Route 101 makes it an easy commute toward Exeter or Portsmouth.
Tom also works across Rockingham County and nearby towns, including Exeter, Portsmouth, Hampton, Durham, Greenland, North Hampton and Newmarket.
Neighborhoods and areas
- Stratham Hill Park
- Portsmouth Avenue (Route 33)
- Route 108
- Squamscott River
- Gordon Barker Town Forest
Which loan programs fit buyers in Stratham?
- Conventional. Suits a town where about three-quarters of homes are detached single-family houses.
- Jumbo. May be needed for higher-priced homes above the conforming limit.
- VA. Could finance a single-family 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 Stratham
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Buying or refinancing in Stratham?
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 Stratham
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- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Milford
- Hooksett
- Goffstown
- Dover
- Rochester
- Plaistow
- Hampstead
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Epping
- Seabrook
- Rye
- 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 Stratham? The free NH Business Hub is open to every local business.
Common questions about buying in Stratham
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Stratham, 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 Stratham 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 Stratham, NH?
Stratham's 2025 total tax rate is $13.52 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,352 a year. The payment calculator fills in Stratham's rate for you.
What are mortgage rates like in Stratham, NH?
Mortgage rates follow national markets, so they don't change much from Stratham 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 Stratham's 2025 rate, each $100,000 of assessed value adds about $113 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Stratham?
Stratham 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 Stratham?
Programs that often fit in Stratham include Conventional, Jumbo, VA and NH Housing. The loan programs section above explains why each may suit Stratham's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Stratham?
New Hampshire's real estate transfer tax is the same in Stratham 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 Stratham?
Start with a short conversation with Tom about your plans for Stratham. 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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