Today's mortgage rates in New Hampshire
Today's mortgage rates in New Hampshire
Rate
6.375%
APR
6.651%
Points
1.875($6,563)
New Hampshire mortgage rates
These rates are based on a sample scenario with common loan assumptions. Monthly payments are based on a $350K loan and a $1.1M jumbo loan. Taxes and insurance aren’t included in the estimate, so the actual payment will be higher.
You could get 1% off your interest rate for the first year
We’re teaming up with Redfin to offer exclusive savings on your dream home1
Rates are current as of 8:29 AM UTC on December 4, 2025
New Hampshire mortgage options
All listed loan options are available in all 50 states. The price of each loan may vary by state due to state taxes and fees.
30-year fixed
Lower monthly payments and a stable interest rate throughout the life of the loan
As low as 3% down payment
Jumbo loan
Financing for high‑value homes above the conforming loan limits
10-20% down payment
15-year fixed
Faster payoff and less interest paid overall, but higher monthly payment
As low as 5% down payment
VA loan
A benefit of military service, you can purchase a home with lower credit and nothing down
As low as 0% down payment
FHA loan
Qualify with a lower credit profile and more debt compared to other options
As low as 3.5% down payment
Adjustable Rate Mortgage
Lower introductory rate for 5, 7 or 10 years before adjusting semiannually
As low as 5% down payment
HomeReady® and Home Possible®
Designed to make buying a home more affordable.
As low as 3% down payment
ONE+ by Rocket Mortgage®
As low as 1% down payment
Home Equity Loan
Get cash out
Bridge loan
A 6-month loan that lets you use the equity of your current home before it’s sold.
Buy before you sell
Cash-out refinance
Swap your current loan for one that puts extra cash in your pocket.
Get cash out
Mortgage calculator
If you’re thinking about buying a home, we can help you estimate your monthly mortgage payment. All fields are required.
An average down payment is about 5% of the home price.
A 30-year term is the most popular loan length because it has the lowest payments.
Mortgage interest rates change all the time, but they’re usually in the 6% to 9% range.
We estimate these based on the ZIP code you entered, or you can enter your own numbers.
Usually based on the home value and location. To estimate yours, look at listings on Rocket Homes.
Usually around $1,000 per month, but the cost can vary based on location and coverage.
Down payment assistance programs in New Hampshire
Down payment assistance
Rocket Mortgage works with a wide range of down payment assistance programs to help make homeownership more attainable
Lower your upfront costs
Expand your buying options
Use assistance programs with your loan
Grants, loans, and support
Down payment assistance helps home buyers cover upfront costs through grants, loans, or matched savings programs.
Offer favorable loan conditions
Help cover closing costs
Support first-time home buyers
Rent Rewards
Eligible renters may save up to $5,000 in closing costs when buying a home with Rocket Mortgage.
Earn rewards on rent payment
Save money on your mortgage
Get up to $5,000 back
3 of 3 programs
More about mortgage rates
6-minute read
Historical mortgage rates: 1971 to 2025
8-minute read
How are mortgage rates determined?
8-minute read
Mortgage interest rates forecast for 2025
6-minute read
Historical mortgage rates: 1971 to 2025
8-minute read
How are mortgage rates determined?
8-minute read
Mortgage interest rates forecast for 2025
Interest rate is the percentage of the loan you’ll repay the lender for the cost of borrowing. APR (average percentage rate) is the interest rate plus additional costs associated with your loan, such as mortgage points or private mortgage insurance (PMI). APR gives a more comprehensive view of the loan’s total cost, while the interest rate is the basic cost of borrowing.
Compare rates between mortgage lenders: It’s common that lenders offer slightly different rates and fees. Comparing rates, fees, and the loan terms could help you save in the long-run.
Check interest rate trends: Are rates increasing or decreasing? If interest rates may increase, it could be a good time to lock in the rate. If interest rates may decrease, it could be a good idea to wait.
Understand the lock period: How long is the rate lock valid? The rate lock could last anywhere from 30 to 60 days. Make sure the rate lock covers enough time until your planned closing date. If the lock period expires, you could lose the rate or pay to extend the lock.
Find out the costs associated with a rate lock: Some, but not all, lenders require a fee to lock in an interest rate, so be sure to weigh your options. You could also have costs associated with extending a rate lock.
Ask about float-down options: Some lenders offer float-down options, which may allow you to switch to a new, lower rate, if interest rates drop. You could have to pay an additional fee.
Buying mortgage points: Mortgage points, or discount points, are an upfront cost you pay to lower your interest rate. Speak with your mortgage lender about the costs and whether this option is right for you.
Mortgage rates in New Hampshire are influenced by seasonal weather-related risks, such as winter storm exposure and properties in flood-risk lake regions or coastal areas. Your lender could require you to carry additional insurance policies. Rural and vacation-area homes, like the Lakes Region or White Mountains, may also require special appraisal considerations. Condos in tourist markets may have HOA rules or rental restrictions that factor into underwriting. In general, credit score, debt-to-income ratio (DTI), and loan type could all affect your mortgage rate.
What clients say about working with us
Every question we had was answered quickly and in a way we could understand.
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I refinanced my VA Loan through Rocket Mortgage ... the actual closing took about 20 minutes at my kitchen table.
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I’ve used Rocket Mortgage in the past … I can honestly say they keep upping their game.
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I am highly satisfied with my experience with Rocket Mortgage ... throughout all the purchasing process.
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