Mortgage Broker in Kittery, ME

Serving Kittery, Maine, and based in Beverly, Massachusetts, GoldCoast Mortgage is a local, independent mortgage broker licensed in Maine (license #CSO5794). We help buyers and homeowners across Kittery and the southern Maine coast finance and refinance, including the many who work across the river in Portsmouth. A bank offers one set of loans. As a broker, we shop your mortgage across many lenders and fit it to the property, whether that’s a cape near the shipyard, a condo on Badger’s Island, or a waterfront home at Kittery Point.

Kittery is Maine’s oldest town, settled in 1647, and it sits right across the Piscataqua River from Portsmouth, New Hampshire. The Portsmouth Naval Shipyard, which sits on an island in Kittery, has anchored the local economy for two centuries and still employs thousands. Beyond the shipyard and the outlet shops on Route 1, there’s a quieter Kittery: the historic village at Kittery Point, the forts, Badger’s Island by the bridges, and a revitalized Foreside dining district. It’s a desirable seacoast town, and prices have been climbing.

What Kittery Costs in 2026

Here’s where the Kittery market stands.

Sources: Zillow / Redfin / Movoto sale data and Town of Kittery FY2026 tax data. We refresh these every quarter.

The Shipyard Anchors the Market

The Portsmouth Naval Shipyard is the steady heartbeat under Kittery’s housing market. It employs thousands of civilian workers overhauling Navy submarines, and that base of stable, well-paid jobs keeps demand for homes here consistent through the ups and downs. Plenty of buyers work at the shipyard or across the river in Portsmouth and want to live minutes from the gate. For a buyer with government or federal employment, there can also be loan programs worth a look, and we’ll walk through what fits your situation.

Maine’s Front Door, but Maine’s Taxes

Here’s a point worth being clear about, because it trips people up. Kittery sits right against New Hampshire, and the outlets draw shoppers from across the river, but Kittery is in Maine, so you’re under Maine’s tax rules rather than New Hampshire’s. That means a state income tax and a state sales tax apply here, unlike Portsmouth just across the bridge. It doesn’t change the appeal of the town, but it’s part of the full math, and we build the real numbers into your budget. For owner-occupants, Maine’s Homestead Exemption takes $25,000 off your taxable value, and Kittery’s recent revaluation reset the mill rate, so the tax picture is worth walking through carefully.

Coastal Flood Risk Is Real Here

Kittery is a coastal town wrapped by water, so flood diligence matters. The Piscataqua River, Spruce Creek, Chauncey Creek, the open ocean at Kittery Point, and the tidal marshes all bring FEMA coastal zones, including high-hazard areas on some waterfront parcels. FEMA has been updating the maps, so a determination should reflect the current picture. A federally backed loan on a home in a flood zone requires flood insurance, and that premium belongs in your budget. We pull the determination on your specific address before you offer. The map below shows the corridor.

Pan and zoom the live FEMA flood map over Kittery ME above. For an official determination on a specific address, look it up on FEMA’s map service center, or just send us the address and we’ll check it for you.

Run Your Kittery Closing Costs

Kittery taxes homes at $9.98 per $1,000 (FY2027), and a lender typically collects about four months of that at closing to open your escrow. The calculator adds the York County Registry recording fees and the Maine transfer tax on any price you type.

Kittery, ME Mortgage Questions, Answered

Does Kittery Really Have Maine Taxes, Not New Hampshire's?

Yes. Even though it's a bridge from Portsmouth and the outlets draw New Hampshire shoppers, Kittery is in Maine, so Maine's income and sales taxes apply. We build the real tax figure into your budget so there's no confusion.

Will I Need Flood Insurance in Kittery?

On waterfront and creek-front parcels, often yes, because those are mapped coastal flood zones. Higher inland ground frequently isn't. We pull the current determination on your exact address before you offer.

Are You Licensed to Do Maine Loans?

Yes. GoldCoast is licensed in Maine, as well as in Massachusetts and New Hampshire, so we handle Kittery purchases and refinances directly.

How Fast Can You Close on a Kittery Home?

A clean purchase usually closes in about three to four weeks once you're under contract. A waterfront property that needs a flood review can add a few days. We keep it tight.