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New Hampshire Mortgage Rates

New Hampshire Mortgage Loans

Looking to buy a farmhouse at the foot of the White Mountains or refinance your country cottage by the lake? Then you’re in luck because has tools designed to help you get the best deal. Mortgage and tax savings calculators, informative articles, helpful tips, and even a directory of New Hampshire brokers are all there waiting for you. The more you know about the mortgage process the better. That knowledge will make it easier when you talk to New Hampshire lenders and begin filling out mortgage applications.

New Hampshire refinance mortgages

A New Hampshire mortgage refinance makes sense in many situations. If you need a lower monthly payment you can consider refinancing into a loan with a lower rate of interest or a longer maturity term. If you need cash to consolidate debt, cover college costs or take on a home improvement project, you can consider what’s called a cash-out refi. That’s where you borrow an amount greater than the current balance on your mortgage. The difference is the amount you may qualify to borrow. If you have equity in your home, this may be an option.

Comparison of New Hampshire mortgage types

  • Interest rates on adjustable-rate mortgages begin low so you have lower monthly payments. But when the rate adjusts payments will increase if the rate increases.
  • Interest rates on fixed-rate mortgages don’t change and therefore, neither will the monthly mortgage payment. 
  • Second mortgages are available with either fixed or adjustable rates.

A home equity line of credit offers an adjustable rate whereas interest on a home equity loan is fixed.

Shopping for New Hampshire mortgages

Now comes the fun part – shopping for the best rate on a New Hampshire mortgage. Here’s all you have to do:

• Determine your budget so you know what you can afford. Amortization tables show you the numbers.
• Know how New Hampshire interest rates are moving and start comparing them.
• Access the directory of New Hampshire lenders at
• Get contact information and begin requesting mortgage quotes.

Popular Areas in New Hampshire

Rockingham County