Mortgages in Windham, NH
From Windham Depot to Cobbetts Pond, Tom helps Windham buyers and homeowners finance single-family homes, condos and seasonal homes.
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: Lake Winnipesaukee, NHWhat should buyers know about Windham?
Looking for a mortgage in Windham, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Windham and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Windham's 2025 total property tax rate is $14.15 per $1,000 of assessed value (NH DRA). See every Rockingham County town's rate.
Windham sits in Rockingham County at Exit 3 of I-93, about 37 miles from Boston and 21 from Manchester. Routes 28, 111, 111A and 128 cross town. The paved Windham Rail Trail runs about four miles from Windham into Derry, with parking at Windham Depot. Local landmarks include Griffin Park, the town beach on Cobbetts Pond and Searles Castle, completed in 1915. Canobie Lake lies on the eastern border.
The town's community profile lists 4,608 residential homes, 725 residential condos and 179 seasonal homes, in a landscape of suburban subdivisions, rural open space and undeveloped land. In a mostly single-family market, loan size may determine whether a conforming or jumbo loan fits. Condos may need a project review, and a seasonal home could call for a closer look at year-round use.
FHA-approved condos: HUD lists 1 approved condo complex in Windham (October 2026). See the list.
Windham has Griffin Park, the town beach on Cobbetts Pond and Searles Castle, finished in 1915. The paved Windham Rail Trail starts at Windham Depot. I-93 Exit 3 puts Boston about 37 miles away.
Tom also works across Rockingham County and nearby towns, including Salem, Derry, Londonderry and Pelham.
Neighborhoods and areas
- Town Center
- Windham Depot
- West Windham
- Cobbetts Pond
Is there a loan officer in Windham, 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 Windham 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.
Which loan programs fit buyers in Windham?
- Conventional. Residential homes far outnumber condos and seasonal homes in the town's count.
- Jumbo. Larger single-family homes may need loan amounts above conforming limits.
- Condo financing. The town counts 725 residential condos.
- Renovation loans. Some of the 179 seasonal homes could need updates for year-round use.
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 Windham
See all 12 loan typesShow fewer
Buying or refinancing in Windham?
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
Close to Windham
See all 57 townsShow fewer
- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Weare
- Nashua
- Manchester
- Bedford
- Concord
- Milford
- 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
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Windham? The free NH Business Hub is open to every local business.
Common questions about buying in Windham
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Windham, 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 Windham 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 Windham, NH?
Windham's 2025 total tax rate is $14.15 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $1,415 a year. The payment calculator fills in Windham's rate for you.
What are mortgage rates like in Windham, NH?
Mortgage rates follow national markets, so they don't change much from Windham 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 Windham's 2025 rate, each $100,000 of assessed value adds about $118 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Windham?
Windham 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 Windham?
Programs that often fit in Windham include Conventional, Jumbo, Condo financing and Renovation loans. The loan programs section above explains why each may suit Windham's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Windham?
New Hampshire's real estate transfer tax is the same in Windham 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 Windham?
Start with a short conversation with Tom about your plans for Windham. 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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