Current as low as Mortgage and Home Equity Rates
FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 6.250% | 6.449% |
| Purchase | Fixed mortgage | 15 years | 5.490% | 5.804% |
| Refinance | Fixed mortgage | 30 years | 6.124% | 6.285% |
| Refinance | Fixed mortgage | 15 years | 5.490% | 5.779% |
| Refinance | Fixed mortgage | 10 years | 5.250% | 5.699% |
| Cash-out refinance | Fixed mortgage | 30 years | 6.375% | 6.541% |
| Home equity | HELOC | Revolving | 7.000% | 7.000% |
| Home equity | Home equity loan | Fixed term | 8.000% | 8.439% |
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PARTICIPATING LENDERS
Compare NH Mortgage Refinance Offers
Lower Your Interest Rate in New Hampshire
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in New Hampshire
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in New Hampshire
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
New Hampshire Mortgage Rates
If you find yourself attracted to the scenery that comes with a classic New England lifestyle but don’t want to break the bank to make it happen, New Hampshire may be the perfect option for your next home. Low crime rates, no state income or sales tax, and close proximity to the entire northeast coast makes New Hampshire a fabulous, yet often overlooked, location for your next home!
Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.
Common New Hampshire Loan Types:
- New Hampshire conventional mortgages: Regardless of the type of home you are considering, the most common loan option in New Hampshire is a 15-year or 30-year fixed-rate conventional mortgage. These straightforward products typically require a respectable down payment and solid credit. You can weigh your options using FreeRateUpdate.com.
- New Hampshire FHA loans: FHA mortgages offer loans to consumers that either don't have a large nest egg for a downpayment or cannot qualify for a loan because of a lower credit score. FHA provides insurance to the lender in case of a default. The borrower pays for this insurance, increasing the overall cost of the loan.
- New Hampshire VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare New Hampshire Mortgage Rates
Mortgage pricing available in New Hampshire varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.