Getting the Best Mortgage Rates in New Hampshire (10-15-30-Year Fixed, 5/1, 7/1 ARM)

Purchasing a home comes with a myriad of outright and hidden costs, and the real estate market in New Hampshire is no different.

Luckily, homeowners considering New Hampshire mortgages will be relatively on par with the rest of the country when it comes to NH mortgage rates. 

With the national average hovering around 3.70 percent, average mortgage rates in New Hampshire are currently at 3.72 percent, making it easy for homeowners to find competitive NH mortgage rates throughout the state.

Which New Hampshire City Are You Located in?

When it comes to finding the best New Hampshire mortgage rates, there are plenty of factors to consider, especially for a first-time home buyer in New Hampshire.

For many New Hampshire mortgage companies in Nashua, Manchester, Concord, Dover, Derry, Rochester, Salem, and other cities in New Hampshire, the location of the home will play a large role in what type of NH mortgage rates are available.

This means that homes across the state could have varying mortgage rates in New Hampshire based on the individual city, neighborhood, and the condition of the home itself.

As you search for the best NH mortgage rate, it may be worthwhile to check the rates for neighboring cities to explore other NH mortgage rates that could potentially be more affordable over the long run.

See the table below for a list of some of the largest cities in the state offering a wide range of New Hampshire mortgages. 

Top New Hampshire CitiesPopulation (2010-2016)

Source: Google

Additional Considerations for NH Mortgage Rates

When searching for the best mortgage rates in New Hampshire, there are a few additional pieces of information to keep in mind.

If you have a good, great, or excellent credit history and you are seeking a mortgage rate in New Hampshire for a loan totaling over $424,100, some lenders may be able to provide different terms NH mortgage rates than those listed above.

For this reason, it’s important to confirm any NH mortgage rates and terms for specific amounts before making a commitment.

Additionally, it’s also important to keep in mind that APR and payment information does not include state-specific taxes or required insurance premiums.

As such, you should expect that the total cost of New Hampshire mortgages will be greater when taxes and insurance products are added.

Types of New Hampshire Mortgage Companies

Today, borrowers have plenty of options when choosing between New Hampshire mortgage companies for an affordable NH mortgage rate.

Rates, terms, and overall affordability can vary greatly from one lender to the next, which makes it important to explore multiple options when evaluating New Hampshire mortgages.


If you have an existing relationship with a local bank, you may want to begin there when searching for mortgage rates in New Hampshire.

Having a positive lending relationship with a brick-and-mortar bank is great for those who prefer to discuss NH mortgage rates and terms in person.

Banks have stricter requirements, however, which may make it difficult for new borrowers to get New Hampshire mortgages without a strong credit score.

Best Mortgage Rates in New Hampshire

Portsmouth, New Hampshire

Online Lenders

Many borrowers find that online banks tend to have the best terms and rates for New Hampshire mortgages.

New Hampshire mortgage companies offering competitive mortgage rates in New Hampshire online include online-only banks, lending companies, or even peer-to-peer lending platforms.

Not only are online applications easier to fill out, but these lenders also tend to provide the quickest response rates, meaning that you could potentially get an answer on a mortgage rate in New Hampshire within hours.

Credit Unions

If you are a member of a credit union—or are eligible to become one—this can be a great resource for an affordable NH mortgage rate.

Because they tend to have lower operating costs, mortgage rates in New Hampshire from credit unions often carry competitive rates and flexible terms in comparison to other lenders.

Conclusion – Finding a Top Mortgage Loan for a Home in New Hampshire

Purchasing a home can be an exciting time—for many homeowners, it marks change, renewal, progress, and the pride of ownership.

Not surprisingly, purchasing or refinancing a home can also be an expensive time, particularly when it comes to New Hampshire mortgage rates.

Understanding New Hampshire mortgage rates or NH refinance rates is the best way to ensure that a mortgage or refinance sets you up for financial success over the long run.

After all, a mortgage will stick with you for the next few decades, making it crucial for each potential homeowner to find the best mortgage rates in New Hampshire.

Mortgage Rate Table Disclaimer

Click here to read AdvisoryHQ’s disclaimer on the mortgage loan table(s) displayed on this page.

Image source:

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.

Note: Empower Personal Wealth, LLC (“EPW”) compensates AdvisoryHQ Account for new leads. AdvisoryHQ Account is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.