Mortgage lender in Merrimack County, NH

Buying in Merrimack County

Merrimack County, with its county seat in Concord, the state capital, also takes in Hooksett, Bow, Pembroke, Franklin and New London. Merrimack County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in New Hampshire, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company or attorney

State housing agency

New Hampshire Housing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Merrimack County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Merrimack County: Concord and the towns around it

Concord is the state capital, so state government and health care employ many buyers, whose income usually documents cleanly. The city has older single-family and two-family homes at moderate prices, and Bow and Hopkinton, beside it, are higher-priced. Hooksett, at the southern end, ties into Manchester.

Outside Concord most homes have a private well and a septic system, which FHA, VA and USDA appraisals look at closely, and many addresses fall inside the USDA eligibility map. Around Lake Sunapee and the smaller lakes near New London, some properties are seasonal, and a home has to be suitable for year-round living to qualify for most loans.

Merrimack County by the numbers

Median home value

$367,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.85% of home value a year: median tax bill $6,783 on a median value of $367,600 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

75 cents per $100 of the price charged to the buyer and the same to the seller (RSA 78-B:1)

Largest communities

Concord, Hooksett, Franklin, Bow (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $367,600. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in New Hampshire

Closings in New Hampshire are typically handled by a title company or attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the New Hampshire page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Merrimack County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Merrimack County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.