See the latest New Hampshire mortgage rates for fixed rates: 30 year, 20, 15, 10 FHA, VA, Jumbo, plus variable rates: 10, 7, 5, 3 years. Also see how local rates compare nationally and main lending options available across the state.
Buying a home in New Hampshire could be easier with today’s mortgage rates.
New Hampshire Mortgage Rates –
The table below shows today’s home purchase mortgage rates for New Hampshire, organized by credit score and lender type:
| Credit Score | Satisfaction | |||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | ||
| Nationally | 7.42% | 7.47% | 7.52% | |
| New Hampshire | 7.51% | 7.56% | 7.61% | |
| Credit Unions | 7.11% | 7.16% | 7.31% | 9.4/10 |
| Online lenders | 7.21% | 7.26% | 7.41% | 8.3/10 |
| Banks | 7.51% | 7.56% | 7.61% | 7.6/10 |
| 30 year fixed | 7.51% | 7.56% | 7.61% | |
| 30 year fixed FHA | 6.38% | 6.43% | 6.48% | |
| 30 year fixed VA | 5.73% | 5.78% | 5.83% | |
| 30 year fixed Jumbo | 7.74% | 8.12% | 8.31% | |
| 20 year fixed | 6.62% | 6.67% | 6.72% | |
| 15 year fixed | 6.80% | 6.85% | 6.90% | |
| 10 year fixed | 6.18% | 6.23% | 6.28% | |
| 3 year ARM | 3.98% | 4.03% | 4.08% | |
| 5 year ARM | 6.89% | 6.94% | 6.99% | |
| 7 year ARM | 6.57% | 6.62% | 6.67% | |
| 10 year ARM | 7.49% | 7.54% | 7.59% | |
| Satisfaction | 8.6/10 | 8.1/10 | 7.3/10 |
Source: MFP’s Community Home Purchase Rates Survey from local members in the last 30 days.
How New Hampshire Compares to National Averages
- New Hampshire mortgage rates (7.49% for best credit scores) are slightly above national averages (national average: 7.42%).
- Credit unions are more competitive: In New Hampshire, credit unions offer 7.09%, banks 7.49%, online lenders 7.19%.
Mortgage Options in New Hampshire
- 30 year fixed: 7.49% - most popular long-term option for predictable payments
- 20 year fixed: 6.64% - balance between payment size and interest savings
- 15 year fixed: 6.82% - lower total interest cost for borrowers building equity faster
- 10 year fixed: 6.18% - shortest fixed-term option with competitive rates
- 10 year variable: 4.00% - Offers a longer initial period with a variable rate...
- 7 year variable: 6.89% - A mid-term variable option...
- 5 year variable: 6.55% - Shorter-term variable mortgage...
- 3 year variable: 7.51% - Quick-adjusting mortgage...
- FHA mortgage: government-backed with flexible credit requirements
- VA mortgage: exclusive to veterans and military members with competitive rates
Cities Mortgage Rates*
| Metro / City | 30-Year Fixed APR | 15-Year Fixed APR |
|---|---|---|
| Manchester | 6.06% | 5.72% |
| Nashua | 6.09% | 5.75% |
| Concord | 6.07% | 5.73% |
| Derry | 6.10% | 5.76% |
| Dover | 6.08% | 5.74% |
* APR rates shown are for borrowers with excellent credit. Click city names to view recommended lenders and ratings.
New Hampshire Best Mortgage Lenders
See which New Hampshire lenders are most recommended for a home mortgage by community members surveys in the State and in its main metro areas.
Manchester, Nashua , Concord, Dover, Rochester, Keene, Portsmouth, Laconia, Online lenders
FAQs – New Hampshire Mortgage Rates
Are home purchase rates higher in New Hampshire than the U.S. average?
No, New Hampshire mortgage rates are currently below the national average.
What credit score is best for buying a home in New Hampshire?
A credit score of 720 or higher typically secures the most favorable mortgage rates in New Hampshire.
Is it better to choose a fixed-rate or ARM in New Hampshire?
Fixed-rate mortgages are generally recommended for long-term stability in New Hampshire’s housing market.
More Info for New Hampshire Home Buyers:
Mortgage Rates & Tools
Home Purchase Calculator: Estimate your monthly payment.
First-Time Home Buyer: Guide for NH’s first home buyers.
Home Affordability Calculator: See what price range fits your budget.
FHA Mortgage Rates: Current rates for FHA buyers.
30 Year Fixed Home Mortgage: Today’s rate for the most common term.
15 Year Fixed Home Mortgage: Today’s rate for faster payoff.
Loan Programs & Assistance
FHA Loans: How FHA mortgages work and who qualifies.
Down Payment Assistance: Programs that help cover your down payment.
Lenders & Homeowner Resources
Best Mortgage Lenders in New Hampshire: Community rated lenders by city.
New Hampshire Home Insurance Cost: Average premiums and top rated local insurers.
Homeowner Resources & Grants: Grants and assistance programs nationwide.