Your Wilton, NH loan officer
Tom helps buyers and homeowners in Wilton, from the downtown mills along the Souhegan River to West Wilton and Wilton Center, just up Route 101 from Elite Mortgage Group's Milford office.
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 Wilton?
Looking for a mortgage in Wilton, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Wilton and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Wilton's 2025 total property tax rate is $26.98 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
Wilton is a Hillsborough County town between Milford, Lyndeborough, Mason, Greenville and Temple. Route 101 runs through town, and Route 31 shares it along the Souhegan River before turning north toward Lyndeborough. Its villages include Wilton village, West Wilton and Wilton Center, and Frye's Measure Mill, a historic mill with tours, sits about three miles west of downtown.
Wilton has more variety in its housing than most small towns nearby. Census estimates put about 68% of its roughly 1,900 housing units in single-family homes and about 27% in buildings with 2 to 4 units, and about 4 in 10 were built before 1940. Conventional, FHA, VA and NH Housing loans could fit many of these homes, and an owner-occupied 2 to 4 unit building can be financed with FHA or conventional loans.
Wilton's downtown sits right on the Souhegan River, just up Route 101 from our Milford office. Frye's Measure Mill and Wilton Center are worth the drive, and a lot of homes here are in two- to four-unit buildings.
Tom also works across Hillsborough County and nearby towns, including Milford, Lyndeborough and Mont Vernon.
Neighborhoods and areas
- Wilton village and the Souhegan River
- West Wilton
- Wilton Center
- Frye's Measure Mill
- Russell-Abbott State Forest
Is there a loan officer in Wilton, 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 Wilton 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.
Wilton resources
Which loan programs fit buyers in Wilton?
- FHA for 2 to 4 units (multi-family). Could fit an owner-occupied building in a town where about 27% of homes are in 2 to 4 unit buildings.
- Conventional. Suits the town's single-family homes and smaller multi-family buildings.
- Renovation loans. Could help with updates in a town where about 4 in 10 homes were built before 1940.
- VA. Could finance a 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 Wilton
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Buying or refinancing in Wilton?
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 Wilton
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Weare
- Londonderry
- Nashua
- Manchester
- Salem
- Derry
- Windham
- Bedford
- Concord
- Hooksett
- Goffstown
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- New Boston
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
Compare towns, with tax rates and loan limits
Own a business in Wilton? The free NH Business Hub is open to every local business.
Common questions about buying in Wilton
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Wilton, 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 Wilton 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 Wilton, NH?
Wilton's 2025 total tax rate is $26.98 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,698 a year. The payment calculator fills in Wilton's rate for you.
What are mortgage rates like in Wilton, NH?
Mortgage rates follow national markets, so they don't change much from Wilton 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 Wilton's 2025 rate, each $100,000 of assessed value adds about $225 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Wilton?
Wilton 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 Wilton?
Programs that often fit in Wilton include FHA for 2 to 4 units (multi-family), Conventional, Renovation loans, VA and NH Housing. The loan programs section above explains why each may suit Wilton's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Wilton?
New Hampshire's real estate transfer tax is the same in Wilton 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 Wilton?
Start with a short conversation with Tom about your plans for Wilton. 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.
Which roads do Wilton commuters use?
Wilton's main village sits near the junction of Routes 31 and 101. Route 101 runs east to Milford, home of Elite Mortgage Group's office.
Can I use a USDA loan in Wilton?
Often, yes. When Tom checked USDA's eligibility map on October 30, 2026, Wilton fell inside USDA's eligible rural area for home loans. USDA loans also have household income limits, and eligibility is confirmed address by address, so Tom checks the exact property and your income first.
What loan types fit Wilton homes?
Wilton has more variety than most small towns nearby. Census estimates put about 68% of its roughly 1,900 housing units in single-family homes and about 27% in buildings with 2 to 4 units, and about 4 in 10 were built before 1940. Conventional, FHA, VA, USDA and NH Housing loans could fit many of these homes. An owner-occupied 2 to 4 unit building can be financed with FHA or conventional loans, and a renovation loan can help with an older home that needs work. HUD's list showed no FHA-approved condo complexes in Wilton as of October 28, 2026.
Can I finance an older home that needs updates?
Yes, often. FHA 203(k) and conventional renovation loans can include the cost of repairs in the mortgage, based on the home's value after the work. With about 4 in 10 Wilton homes built before 1940, it's worth asking about early. The renovation loans guide explains how they work.
How does buying a home in New Hampshire work, start to finish?
- Get pre-approved, so you know your price range with Wilton's tax rate included.
- Make an offer. Your purchase agreement sets the dates for inspections, financing and closing.
- Inspect. If the home has a private well or septic system, add a water test and septic check.
- Apply for the mortgage. 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 Wilton?
NH Housing, the state's housing finance agency, offers programs statewide, including Home First for first-time buyers and 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. NH Housing loans are made through participating lenders, and Elite Mortgage Group is listed in NH Housing's directory of participating companies.
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