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Mortgage rates in New Hampshire

Interest rates on a 30-year $300,000 conventional mortgage start at around 3.125%

If you have a credit score between 700 and 719 and can put 5% down, you’ll generally pay about 3.188% for a 30-year conventional loan with a fixed interest rate on a $350,000 home. But how much interest you pay for your New Hampshire home will depend on several factors, including your credit score, loan amount and lender.

Rates were last checked on October 6 and are from the Consumer Financial Protection Bureau (CFPB) website.

Your credit score affects the rate you’ll get

People with higher credit scores generally get lower interest rates because lenders assume they’re less likely to stop paying a mortgage. Here are the most common interest rates in New Hampshire by mortgage amount, according to the Consumer Financial Protection Bureau (CFPB).

Credit score $200,000 mortgage $300,000 mortgage $400,000 mortgage $500,000 mortgage
620-639 3.875% 3.875% 3.750% 3.750%
640-659 3.750% 3.750% 3.625% 3.625%
660-679 3.500% 3.500% 3.375% 3.375%
680-699 3.250% 3.250% 3.250% 3.250%
700-719 3.250% 3.250% 3.125% 3.125%
720-739 3.125% 3.125% 3.063% 3.063%
740-759 3.125% 3.125% 3.000% 3.000%
760-779 3.125% 3.125% 3.000% 3.000%
780-799 3.125% 3.125% 3.000% 3.000%
800+ 3.125% 3.125% 3.000% 3.000%

*Based on a 10% down payment for a 30-year fixed-rate conventional mortgage

Interest rates vary by lender

Interest rates are affected by the economy and the federal funds rate, or the rate that banks charge each other for overnight loans. But they’re also affected by individual lenders, which can have differing overhead costs, profit margins and credit score requirements.

Comparing lenders can help you find the best deal. Select See rates to provide the company with basic property and financial details for personalized rates.

Name Product Loan products offered State availability Min. credit score
(NMLS #1121636)
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
No hidden fees, multiple loan terms, and member discounts available.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #330511)
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
Online preapproval in minutes and no origination fees with this direct lender.
(NMLS #1136)
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
Connect with vetted home loan lenders quickly through this online marketplace.

Compare up to 4 providers

Interest rates also vary by loan type

The type of loan you get can also affect how much you pay for your New Hampshire home. 15-year mortgages generally offer lower interest rates than 30-year mortgages, and you’ll see different rates for conventional loans than government loans.

Loan type $200,000 mortgage $300,000 mortgage $400,000 mortgage $500,000 mortgage
15-year conventional 2.438% 2.375% 2.375% 2.375%
30-year conventional 3.250% 3.250% 3.125% 3.125%
15-year FHA 2.750% 2.500% Not elegible Not elegible
30-year FHA 3.125% 3.000% Not elegible Not elegible
15-year VA 3.000% 2.813% 2.625% 2.625%
30-year VA 3.250% 3.250% 3.063% 3.063%

*Based on a 10% down payment, fixed interest rate and 710 credit score

Research ahead of time to get the best rates

Here are a few tips to help you get a better rate on your next home loan:

  1. Compare loan products. Lenders usually have different loan programs with different rates. Research each lenders to see what program and rate you may qualify for.
  2. Work on your credit. Payback any outstanding debts and make on time payments to increase your credit score. This makes you a more attractive borrower to lenders.
  3. Know your closing costs. Lenders in New Hampshire usually charge between 1.47% to 2.2% of the purchase price of the home in closing costs in New Hampshire. Some lenders may advertise lower mortgage rates but have high closing costs. Be sure to weigh your interest rate against the closing costs to make sure you’re getting the best deal.

Home values in New Hampshire predicted to rise into 2022

Home prices in New Hampshire are going up. According to Zillow, the price of a typical home in New Hampshire jumped 21% in the 12 months prior to June 2021. And it looks like the trend will continue well into mid-2022.

The biggest price increases are projected for the cities of Danbury, Tamworth and Sandwich, which may rise by 15.4%, 14.5% and 13.7% by June 2022. As for the rest of the Granite State, prices are expected to rise anywhere between 2.2% and 13.6%, depending on the area.

For those looking for greater affordability, Suncook, Manchester, Portsmouth, Litchfield and Nashua may be worth looking into.

5 fast facts about New Hampshire’s housing market

If you’re looking to buy a home in New Hampshire, here are five facts you should know:

  1. The average price of a house in New Hampshire is $374,599 as of June 2021, which is 25% higher than the national average.
  2. The 2019 US Census calculated the cost of owning a home in New Hampshire is around $1,948 with a mortgage, which is 22% more than the national average.
  3. Closing costs in New Hampshire run about 2.56% with taxes. New Hampshire ranks 7th out of 50 states for highest closing costs.
  4. New Hampshirites pay an average of 2.05% in property taxes, which is nearly double the national average, according to SmartAsset. However, residents don’t pay sales taxes on goods or state income tax on W-2 wages.
  5. Redfin claims 65.3% of homes sold in New Hampshire in 2021 went for more than the asking price.

Bottom line

Mortgage rates in New Hampshire vary by loan type, and factors like your credit score and lender affect what rate you get. But factors like your credit score and lender affect what rate you get. Compare mortgage lenders and programs to find one that best fits your homeownership goals.

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