Mortgage Broker in Rockingham County, New Hampshire
FHA, VA, conventional, and refinance loans across all 37 Rockingham County towns, home to the highest loan limits in New Hampshire. One loan officer from application to closing.
Trusted by America's leading lenders
Local financing across all 37 Rockingham County towns.
NextGen Mortgage Loans helps buyers, homeowners, and veterans finance homes across Rockingham County, New Hampshire, from Seacoast towns like Portsmouth, Rye, and Hampton to the I-93 corridor communities of Salem, Derry, Londonderry, and Windham, which behave like an extension of the greater Boston market.
Whether you're a first-time buyer pricing a condo in Exeter, a veteran near Pease in Portsmouth, or a homeowner refinancing in Atkinson, we work with you directly: one loan officer, no call centers, no handoffs.
The highest loan limits in New Hampshire.
Rockingham and Strafford are the only two NH counties FHFA and HUD classify as high-cost, part of the Boston-Cambridge-Newton metro area. That means Rockingham buyers can borrow significantly more before financing shifts to jumbo territory. It's also the only tier of the county where FHA and conventional conforming limits match dollar-for-dollar at $962,550; in most of New Hampshire, the two loan types have different limits.
| Loan type | Rockingham County | Most of NH |
|---|---|---|
| Conforming (1-unit) | $962,550 | $832,750 |
| FHA (1-unit) | $962,550 | $541,287 |
| FHA (2-unit) | $1,232,250 | $693,050 |
| FHA (3-unit) | $1,489,500 | $837,700 |
| FHA (4-unit) | $1,851,100 | $1,041,125 |
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.
Why Rockingham County buyers choose NextGen
Local NH licensing
We close loans across Rockingham County every month and understand how high-cost-area appraisals, condo approvals, and Seacoast properties actually move.
Full loan menu
FHA, VA, conventional, high-balance, jumbo, and bank statement loans under one roof, matched to your town's price point.
Faster pre-approvals
Most Rockingham 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 who know Rockingham County
Real people, real license numbers, real local offices. Not a call center.
Founded NextGen Mortgage in 2017 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 to secure the best options for clients.
Runs NextGen's Rockingham County branch out of Plaistow. Over 30 years in the industry and a multiple-time Scotsman Guide Top Originator, with hands-on experience as a real estate investor across the county.
Over 20 years of experience across NH, MA, ME & FL, specializing in New Hampshire Housing programs, VA, jumbo, construction, and first-time homebuyer financing throughout the county.
Hear from Rockingham County families we've helped
Real reviews from buyers and homeowners we've worked with across the county.
Home loans for Rockingham County buyers
Rockingham buyers come to us with very different situations. Here are the programs we use most often across the county.
FHA Loans
3.5% downThe $962,550 county limit covers the overwhelming majority of Rockingham County housing stock, from Derry to Portsmouth.
VA Loans
0% downPease Air National Guard Base and Portsmouth Naval Shipyard anchor a sizable veteran community across the county.
Conventional & High-Balance
5% downLoans from $832,750 to $962,550 are high-balance conforming, not jumbo, a distinction that can save you real money.
Jumbo Loans
Above $962,550Relevant in Rye, New Castle, North Hampton, and Portsmouth waterfront properties, plus parts of Windham.
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 genuine differentiator across the Seacoast, where contractors, restaurant owners, and independent professionals are common.
The county at a glance
Rockingham covers two distinct sub-markets, the Seacoast and the Boston-adjacent I-93 corridor, with pricing that varies sharply between them.
Property taxes vary sharply by town
New Hampshire has no state income tax or sales tax, so property tax carries an outsized share of the cost of homeownership, and rates swing meaningfully between neighboring Rockingham towns.
Because property taxes are escrowed into your monthly payment, a higher-rate town can reduce your approved purchase price at the same income. Two identical buyers can qualify for different amounts depending on which town they choose.
New Hampshire also charges a real estate transfer tax of $0.75 per $100 of price, paid by both buyer and seller, a closing cost many out-of-state buyers don't budget for.
Your Rockingham 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 30–45 days.
Towns we serve in Rockingham County
We finance homes throughout Rockingham County's two core sub-markets, the Seacoast and the I-93 corridor, plus the towns in between.
ZIP codes we cover include 03038, 03042, 03053, 03062, 03076, 03077, 03079, 03801, 03833, 03842, and more across the county. Don't see your town? Contact us, we likely still cover it.
Frequently asked questions
The 2026 FHA loan limit for a single-family home in Rockingham County is $962,550, more than 1.7 times the $541,287 limit that applies to most other NH counties. For 2-unit properties it's $1,232,250, for 3-unit $1,489,500, and for 4-unit $1,851,100.
Rockingham and Strafford are the only two NH counties designated high-cost by FHFA and HUD. They sit inside the Boston-Cambridge-Newton metropolitan division, where area median home prices run well above the national baseline, which pushes both FHA and conforming loan limits higher.
In Rockingham County, anything above $962,550 is jumbo. Loans between $832,750 and $962,550 fall into a high-balance conforming tier that sits below jumbo and generally prices better.
Rockingham County includes the city of Portsmouth and 37 towns, among them Salem, Derry, Londonderry, Windham, Exeter, Hampton, Seabrook, Plaistow, Raymond, Epping, Stratham, Rye, Atkinson, and Newmarket.
FHA loans accept scores starting at 580 with 3.5% down, or 500–579 with 10% down. Conventional loans typically require 620 or higher, with the best pricing at 740+. VA loans have no VA-set minimum, though most lenders look for 580–620.
Yes. We work with New Hampshire Housing programs, including Home Flex Plus and Home Preferred Plus, which can provide down payment and closing cost assistance and can be layered with FHA financing for qualified buyers.
Most purchase loans close in 30–45 days from accepted offer. Condo purchases sometimes take a few extra days for condo project review. A clean file and quick document turnaround shorten the timeline noticeably.
Yes. Rockingham has the highest median property tax payment of any NH county, though rates vary meaningfully by town. New Hampshire has no state income or sales tax, so property tax carries a larger share of the cost of homeownership.
Get pre-approved for a mortgage in Rockingham 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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