Mortgage Broker in Hillsborough County, New Hampshire
FHA, VA, conventional, and jumbo financing across New Hampshire's largest county. One loan officer from application to closing.
Not to be confused with the Town of Hillsborough, a small community in the western part of the county. This page covers all of Hillsborough County.
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Financing across New Hampshire's largest county.
Hillsborough County stretches from the Manchester and Nashua urban core, through the affluent suburban ring of Bedford, Amherst, and Hollis, along the Route 101A corridor towns of Merrimack, Milford, and Hudson, out to the rural western towns near Peterborough and the Town of Hillsborough itself.
We are headquartered here, at 20 Trafalgar Square in Nashua, and we work with buyers across every part of the county directly. One loan officer, no call centers, no handoffs.
Two loan programs, two different ceilings.
In Hillsborough County, FHA and conforming loans cap at different amounts. Knowing where each one stops determines which program actually fits your price point, and that gap is bigger than most buyers expect.
3.5% down against the $589,950 county limit. The strongest fit for Manchester, Hudson, and Milford price points.
FHA is out at this range; conforming financing carries you up to the $832,750 loan limit with 3 to 5% down options.
Relevant in Bedford, Amherst, and Hollis, where prices commonly clear the conforming ceiling.
| Units | FHA limit | Conforming limit |
|---|---|---|
| 1-unit | $589,950 | $832,750 |
| 2-unit | $755,250 | $1,066,250 |
| 3-unit | $912,900 | $1,288,800 |
| 4-unit | $1,134,550 | $1,601,750 |
Loan limits are set annually by FHFA and HUD and can change. Figures shown are current as of publish; verify against FHFA and HUD before relying on them for a purchase.
Buying in a neighboring county instead? See Rockingham County limits →, where FHA and conforming match at $962,550.
Why Hillsborough County buyers choose NextGen
We're based here
Our home office sits at 20 Trafalgar Square in Nashua, inside the county we serve. Not a service area on a map, an actual address.
Full loan menu
FHA, VA, conventional, jumbo, and bank statement loans, matched to whichever side of the FHA cap your target price falls on.
Faster pre-approvals
Most Hillsborough County buyers get a verified pre-approval letter within 1 to 2 business days, which keeps you competitive on offer day.
One loan officer
You get a phone number and an email, not a ticket number. One person owns your file from application to closing.
Licensed loan officers based in Hillsborough County
Real people, real license numbers, real local offices. Not a call center.
Founded NextGen Mortgage in 2017 out of the Nashua office, after starting his career at his family's brokerage. Our team averages over 15 years in the industry and partners with over 30 banks and lenders.
Nashua-based with 23 years in the industry and multiple appearances on Scotsman Guide's Top Originators list. A former engineer, Don brings the same disciplined, detail-first approach to structuring loans across the county.
Based out of Nashua with over six years building a strong first-time buyer practice across the county. Known for being accessible and responsive when buyers need to move fast on a competitive offer.
Hear from Hillsborough County families we've helped
Real reviews from buyers and homeowners we've worked with across the county.
Home loans for Hillsborough County buyers
Which program fits depends heavily on which side of the FHA cap your target price falls on. Here's how we match buyers to programs across the county.
FHA Loans
Under ~$610KWorks up to the $589,950 county limit. The strongest fit in Manchester, Hudson, Milford, and Goffstown price points.
Conventional
3–5% downThe workhorse above the FHA cap, carrying buyers up to the $832,750 conforming limit without jumbo pricing.
Jumbo Loans
Above $832,750Relevant in Bedford, Amherst, and Hollis, where prices commonly clear the conforming ceiling.
VA Loans
0% downNo county-limit ceiling for full-entitlement veterans, a real advantage in a county where conventional and jumbo often overlap.
First-Time Buyers
NH HousingHome Flex Plus and Home Preferred Plus can layer down payment assistance on top of an FHA or conventional loan.
Bank Statement Loans
Self-employedA strong fit for the county's small-business density, using 12 to 24 months of bank statements instead of tax returns.
The county at a glance
Hillsborough is New Hampshire's largest county by population, and pricing shifts sharply across its four distinct sub-markets.
Property taxes vary town to town
New Hampshire has no state income tax or sales tax, so property tax carries an outsized share of the cost of homeownership. Rates differ meaningfully between Hillsborough County towns, and Manchester's own rate is a useful reference point at $20.24 per $1,000, which works out to roughly $759 a month on a $450,000 home.
Because property taxes are escrowed into your monthly payment, a higher-rate town can reduce your approved purchase price at the same income. That is a second variable, on top of the FHA and conforming caps, worth checking before you fall for a listing.
Your Hillsborough County mortgage in 5 steps
Pre-approval
Submit your application with income, asset, and credit details. Most buyers get a verified letter in 1–2 business days.
Home shopping
Use your letter to make competitive offers anywhere in the county. We issue updated letters quickly when you find the right home.
Underwriting
Underwriting verifies your file while the appraiser values the property. Usually 2 to 3 weeks, see our underwriting guide.
Closing
You sign at the attorney's office, the loan funds, and you get the keys. Most purchases close in 21 to 30 days.
Cities and towns we serve in Hillsborough County
We finance homes across all four of the county's sub-markets. Manchester and Nashua have their own dedicated pages, linked below.
Don't see your town? Contact us, we likely still cover it across the county.
Frequently asked questions
The 2026 FHA loan limit for a single-family home in Hillsborough County is $589,950. For 2-unit properties it's $755,250, for 3-unit $912,900, and for 4-unit $1,134,550.
HUD sets FHA limits and FHFA sets conforming limits using different formulas tied to area home prices. In Hillsborough County they land in different places: $589,950 for FHA versus $832,750 for conforming. Above the FHA cap, buyers need a conventional loan instead.
No. FHA loans in Hillsborough County cap at $589,950, so a $700,000 loan amount is not eligible for FHA financing. You can still buy a $700,000 home, just not with an FHA loan. Conventional financing is the right fit up to a loan amount of $832,750, after which the purchase moves into jumbo territory.
In Hillsborough County, a loan amount above $832,750 is jumbo. Between $589,950 and $832,750, conventional conforming financing applies.
Bedford, Amherst, and Hollis tend to skew above the $589,950 FHA cap, while Manchester, Hudson, Milford, and Goffstown generally price below it. Exact fit depends on the specific home, always worth checking against current listing data.
Hillsborough County includes the cities of Manchester and Nashua along with 31 towns, including Bedford, Merrimack, Milford, Amherst, Hudson, Hollis, Pelham, Goffstown, Hooksett, Litchfield, Weare, New Boston, and Peterborough.
No. The Town of Hillsborough is a single small community in the western part of the county. Hillsborough County is the larger county that contains Manchester, Nashua, and 31 towns, including the Town of Hillsborough itself.
Rockingham County has matching FHA and conforming limits of $962,550. Hillsborough County's limits diverge: FHA caps at $589,950 while conforming runs to $832,750. A home that qualifies for FHA in Hillsborough may need a different loan type than the same price point in Rockingham. See the Rockingham County page →
Get pre-approved for a mortgage in Hillsborough County, NH today
One loan officer, one phone number, one clear path from application to closing.
MLO License Info: NMLS #1621958, NH Broker license #1621958MBRR, and MA Broker license #MB1621958, ME Broker License #1621958, FL Broker License #MBR4542, RI Broker License #20265029LB
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