New Hampshire allows a power of sale mortgage to be foreclosed by sale in place of a court suit when the statutory conditions are met, including newspaper publication with the first notice at least 20 days before the sale. The state taxes real estate transfers at $.75 per $100 of consideration, and the lien for labor and materials lasts 120 days after the work or supply, unless paid.
World's Fair Capital makes business purpose loans to real estate investors in New Hampshire: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
Which describes you?
How a New Hampshire loan works with us
- 1Start your application
Fill out a short application in our secure portal.
- 2Review the term sheet
We prepare a term sheet for you to review and e-sign.
- 3Underwriting
Our team works the file and sends a clear document checklist.
- 4Closing
We close and fund through the title or closing agent.
What investors should know about New Hampshire
Power of sale notice timing
A New Hampshire power of sale mortgage can be foreclosed by sale instead of a court suit, if the statutory conditions are met. Notice is published weekly for three weeks, with the first publication at least 20 days before the sale.
Source: N.H. RSA 479:25, checked 2026-10-11
How the statute defines a mortgage
A conveyance of land made to secure payment of money is a mortgage under New Hampshire law, which is the security instrument chapter 479 governs.
Source: N.H. RSA 479:1, checked 2026-10-11
Real estate transfer tax
New Hampshire taxes sales and transfers of real estate interests at $.75 per $100 of price or consideration, or fractional part, subject to the statute exemptions.
Source: N.H. RSA 78-B:1, checked 2026-10-11
Lien for labor and materials duration
The lien for labor and materials continues for 120 days after services are performed or materials furnished, unless payment is previously made.
Source: N.H. RSA 447:9, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in New Hampshire?
Your client stays your client. We work the deal with you, not around you.
Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.
Register in the portal to submit deals online, use program sheets and calculators, and track every file.
Questions on a New Hampshire deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for New Hampshire investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in New Hampshire?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.