Your Weare, NH loan officer
Tom MacDonald is a loan officer with Elite Mortgage Group who helps buyers and homeowners in Weare, NH, from North Weare and South Weare to Riverdale and Lake Horace.
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: Eaton, NHWhat should buyers know about Weare?
Looking for a mortgage in Weare, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Weare and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Weare's 2025 total property tax rate is $21.64 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
Weare is in Hillsborough County and is drained by the Piscataquog River and its branches, where dams form Lake Horace in the northwest and Everett Lake in the northeast. Mount Wallingford is the town's highest point. Routes 77, 114 and 149 cross the town, and its villages include North Weare, South Weare, Riverdale, Clinton Grove and Chase Village.
In the state's community profile, about 85% of Weare's housing units are single-family homes, and the profile lists private wells for water and private septic systems for sanitation. Weare's own schools run through grade 8, and high school students attend John Stark Regional High School with Henniker students. Conventional, FHA, VA and NH Housing loans could fit many of these homes.
FHA-approved condos: HUD lists 1 approved condo complex in Weare (October 2026). See the list.
Weare is a rural town with Lake Horace and Everett Lake, and villages like North Weare, South Weare and Riverdale. Most homes are on private wells and septic, so we'll plan for those inspections early.
Tom also works across Hillsborough County and nearby towns, including Goffstown, Manchester, Concord, New Boston and Hopkinton.
Neighborhoods and areas
- Weare village
- North Weare
- South Weare
- Riverdale
- Clinton Grove
- Lake Horace
Is there a loan officer in Weare, NH?
Yes. Tom MacDonald is a loan officer with Elite Mortgage Group, a mortgage broker at 300 Elm Street in Milford, NH, and he works with buyers and homeowners in Weare on purchase loans, refinancing and pre-approvals. He's available 7 days a week by phone or text at 603-851-4982. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.
Weare resources
- Weare property taxes and records
- New to Weare: a newcomer's checklist
- Town of Weare Assessing Department: assessments, exemptions, current use (Avitar Associates is the town's assessing agent)
- Weare Public Library
- NH Housing homebuyer programs
Which loan programs fit buyers in Weare?
- Conventional. Suits a housing stock where about 85% of units are single-family homes.
- FHA. May work for many single-family homes.
- 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 Weare
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Buying or refinancing in Weare?
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 Weare
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Londonderry
- Nashua
- Salem
- Derry
- Windham
- Bedford
- Milford
- Hooksett
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Weare? The free NH Business Hub is open to every local business.
Common questions about buying in Weare
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Weare, 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 Weare 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 Weare, NH?
Weare's 2025 total tax rate is $21.64 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,164 a year. The payment calculator fills in Weare's rate for you.
What are mortgage rates like in Weare, NH?
Mortgage rates follow national markets, so they don't change much from Weare 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 Weare's 2025 rate, each $100,000 of assessed value adds about $180 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Weare?
Weare is in Hillsborough County, where the 2026 one-unit FHA limit is $589,950 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 Weare?
Programs that often fit in Weare include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Weare's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Weare?
New Hampshire's real estate transfer tax is the same in Weare 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.
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How do I get pre-approved to buy in Weare?
Start with a short conversation with Tom about your plans for Weare. 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.
Are there FHA-approved condos in Weare, NH?
Yes. As of November 2, 2026, HUD lists 1 approved condo complex in Weare, including Quaker Street Condo. Approval covers the whole complex and expires, so Tom checks HUD's list again before you write an FHA offer. See FHA-approved condos by town.
Which roads do Weare commuters use?
Routes 77, 114 and 149 cross the town, and Weare is close to both Manchester and Concord. The best route depends on where you work, so Tom can run your payment for homes on either side of town.
Can I use a USDA loan in Weare?
Very likely. When Tom checked USDA's eligibility map on October 30, 2026, all of Weare fell inside USDA's eligible rural area for home loans. USDA guaranteed loans are designed for buyers in eligible rural areas, and they have household income limits, and the home has to be your primary residence. Tom checks your income against the current limit first.
Are Weare homes on private wells and septic?
Mostly, yes. The state's community profile for Weare lists private wells for water and private septic systems for wastewater. Plan on a well water test and a septic check during your inspection period, and if the home is on Lake Horace or another waterbody with a septic system within 250 feet of the shoreline, New Hampshire requires a licensed septic evaluation before the sale.
What loan types fit Weare homes?
About 85% of Weare's housing units are single-family homes in the state's community profile. USDA, conventional, FHA (2026 limit $589,950 for one unit), VA and NH Housing loans could fit many of them, with conventional loans up to $832,750 in Hillsborough County in 2026. HUD's list showed one FHA-approved condo complex in Weare (Quaker Street Condo) as of October 28, 2026. Buying land to build on? Ask Tom about construction loans.
How does buying a home in New Hampshire work, start to finish?
- Get pre-approved, so you know your price range with Weare's tax rate included.
- Make an offer. Your purchase agreement sets the dates for inspections, financing and closing.
- Inspect: the home, plus the well water and septic system.
- Apply for the loan. Your lender must send a Loan Estimate within 3 business days of your application.
- Appraisal and underwriting.
- Review your Closing Disclosure, which you must receive at least 3 business days before closing.
- Close. New Hampshire's transfer tax is $0.75 per $100 of the price, paid by both the buyer and the seller.
Is there first-time buyer help in Weare?
NH Housing, the state's housing finance agency, offers loan programs statewide, including Home First for first-time buyers and Home Flex programs that pair with FHA, VA and USDA loans, plus Plus versions that add down payment assistance. For many programs, "first-time" means you haven't owned a home in the past three years. Income and purchase price limits apply, and some programs require a homebuyer education course. Elite Mortgage Group is listed in NH Housing's directory of participating companies.
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