New Hampshire Home Equity Loan & HELOC Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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New Hampshire home equity loan and HELOC rates range from 4.79% to 9.62%, verified by MonitorBankRates as of October 13, 2026. Current home equity loan rates in New Hampshire include New Hampshire Federal Credit UnionNew Hampshire Federal Credit Union70 Airport Rd, Concord, NH, 03301 5205A+5.0 ★Texas Ratio: 0.36% offering Home Equity Fixed Rate, Closed End - First Lien at 4.79%, St Marys Bank Credit UnionSt Marys Bank Credit Union14 Spruce St, Concord, NH, 03051 4746A+5.0 ★Texas Ratio: 2.56% offering Home Equity Line with Lock Option - Fixed at 5.75%, Align Credit UnionAlign Credit Union68 Lafayette Rd, Seabrook, NH, 03874A5.0 ★Texas Ratio: 10.06% offering Home Equity Line of Credit - Current Rate at 6.00%, Jeanne D Arc Credit UnionJeanne D Arc Credit Union102 Spit Brook Rd, Nashua, NH, 03062 1312A+5.0 ★Texas Ratio: 2.58% offering Home Equity Line of Credit ADVANTAGE at 6.00%, and Union Bank Morrisville, VTUnion Bank Morrisville, VT120 North South Road, Groveton, NH, 03251A-4.8 ★Texas Ratio: 14.30% offering Encore Home Equity Line of Credit for Primary Residences - 10 Year Draw/10 Year Repay at 6.00%. Home equity and HELOC rates as of October 13, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated, we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving New Hampshire borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: October 13, 2026
Compare Home Equity & HELOC Rates Today in New Hampshire
New Hampshire Home Equity Loan Rates
Loan To Value Ratio: 1-60%
Loan To Value Ratio: 1-60%
Loan To Value Ratio: 1-60%
- Sep 18, 20265.31%▼ from 5.80%
- Sep 14, 20265.80%first recorded
Loan To Value Ratio: 1-60%
Loan To Value Ratio: 61-80%
Loan To Value Ratio: 61-80%
Loan To Value Ratio: 1-60%
Loan To Value Ratio: 1-60%
- Sep 18, 20266.00%▼ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Home Equity homepage rate
80% Equity; No Closing Costs for First-Time Applicants; Home Equity Minimum Loan Amount is $20,000
Loan To Value Ratio: 61-80%
Loan To Value Ratio: Up to 70%
- Oct 1, 20266.39%▲ from 5.89%
- Sep 14, 20265.89%first recorded
80% Equity; No Closing Costs for First-Time Applicants; Home Equity Minimum Loan Amount is $20,000
Loan To Value Ratio: 61-80%
Loan To Value Ratio: Up to 70%
- Oct 1, 20266.59%▲ from 6.09%
- Sep 14, 20266.09%first recorded
No additional details available.
Loan To Value Ratio: 71-80%
- Oct 1, 20266.69%▲ from 6.19%
- Sep 14, 20266.19%first recorded
80% Equity; No Closing Costs for First-Time Applicants; Home Equity Minimum Loan Amount is $20,000
Max LTV: 80%; Max Loan Amount: $250,000
Loan To Value Ratio: Up to 70%
- Oct 1, 20266.89%▲ from 6.39%
- Sep 14, 20266.39%first recorded
Loan To Value Ratio: 71-80%
- Oct 1, 20266.99%▲ from 6.49%
- Sep 14, 20266.49%first recorded
80% Equity; No Closing Costs for First-Time Applicants; Home Equity Minimum Loan Amount is $20,000
Loan To Value Ratio: 71-80%
- Oct 1, 20267.09%▲ from 6.59%
- Sep 14, 20266.59%first recorded
Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.13%▲ from 6.88%
- Sep 15, 20266.88%first recorded
Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.
- Oct 1, 20267.13%▲ from 7.00%
- Sep 24, 20267.00%▲ from 6.75%
- Sep 15, 20266.75%first recorded
Max LTV: 80%; Max Loan Amount: $250,000
Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.
- Oct 1, 20267.25%▲ from 7.13%
- Sep 24, 20267.13%▲ from 6.88%
- Sep 15, 20266.88%first recorded
Credit Score: 780+; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.38%▲ from 7.13%
- Sep 15, 20267.13%first recorded
Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.38%▲ from 7.13%
- Sep 15, 20267.13%first recorded
Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.
- Oct 1, 20267.38%▲ from 7.25%
- Sep 24, 20267.25%▲ from 7.00%
- Sep 15, 20267.00%first recorded
Loan To Value Ratio: Up to 70%
- Oct 1, 20267.39%▲ from 6.89%
- Sep 14, 20266.89%first recorded
Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing
- Oct 1, 20267.48%▲ from 6.71%
- Sep 14, 20266.71%first recorded
Loan To Value Ratio: 81-90%
- Oct 1, 20267.49%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Rates effective as of October 4, 2024; Up to 80% Total Loan To Value; Primary Residence; Borrow up to 95% of home value with minimum $10,000 and maximum $250,000; $5.00 Membership Account Required; Available in Massachusetts and parts of New Hampshire
Loan Amount: $150,000 - $400,000
Max LTV: 80%; Max Loan Amount: $250,000
No additional details available.
Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing
- Oct 1, 20267.51%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Loan To Value Ratio: 71-80%
- Oct 1, 20267.59%▲ from 7.09%
- Sep 14, 20267.09%first recorded
No additional details available.
Loan Amount: $150,000 - $400,000
Credit Score: 740-779; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.63%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.63%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing
- Oct 1, 20267.69%▲ from 7.18%
- Sep 14, 20267.18%first recorded
As Low As; Rates effective as of October 4, 2024; Up to 80% Total Loan To Value; Primary Residence; Borrow up to 95% of home value with minimum $10,000 and maximum $250,000; $5.00 Membership Account Required; Available in Massachusetts and parts of New Hampshire
As Low As; Rates effective as of October 4, 2024; Up to 80% Total Loan To Value; Primary Residence; Borrow up to 95% of home value with minimum $10,000 and maximum $250,000; $5.00 Membership Account Required; Available in Massachusetts and parts of New Hampshire
Loan Amount: $150,000 - $400,000
Loan To Value Ratio: Up to 80%
- Oct 10, 20267.75%▲ from 7.08%
- Sep 18, 20267.08%▲ from 6.70%
- Sep 14, 20266.70%first recorded
Max LTV: 80%; Max Loan Amount: $250,000
Max LTV: 90%; Max Loan Amount: $250,000
Loan Amount: $75,000 - $149,999
Credit Score: 700-739; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.88%▲ from 7.63%
- Sep 15, 20267.63%first recorded
Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.88%▲ from 7.63%
- Sep 15, 20267.63%first recorded
Minimum loan amount $10,000; maximum $400,000; Must be a junior lien position; Property insurance required; Membership requirement: account must be established prior to loan closing
- Oct 1, 20267.91%▲ from 7.40%
- Sep 14, 20267.40%first recorded
Loan To Value Ratio: 81-90%
- Oct 1, 20267.99%▲ from 7.49%
- Sep 14, 20267.49%first recorded
Loan Amount: $75,000 - $149,999
No additional details available.
Credit Score: 680-699; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20268.13%▲ from 7.88%
- Sep 15, 20267.88%first recorded
Max LTV: 90%; Max Loan Amount: $250,000
No additional details available.
New Hampshire HELOC Rates
Fixed rate lock; Minimum fixed rate amount $1,000; Fees:
Loan To Value Ratio: 1-80%; Index + Margin: Prime +0
Current Rate without Introductory Offer; Prime - 1.00% adjusting monthly after introductory rate; Membership requires $5 deposit relationship; Early Termination Fee within first 24 months; Maximum APR 18%; Floor rate 5.00%
Term: 20 years (10-year draw/10-year repayment period); Rate: Prime - 1.00% variable rate; Advertised rate uses Prime with a -1.00% margin and assumes a credit score of 700 or higher; Minimum rate 4.50%, maximum rate 18.00%; Up to 80% total loan-to-value on primary residences, up to 70% on secondary residences; Minimum line amount $10,000, maximum line amount $250,000; $5.00 membership account required
- Oct 2, 20266.00%▲ from 5.75%
- Sep 22, 20265.75%▼ from 6.00%
- Sep 18, 20266.00%▲ from 5.75%
- Sep 16, 20265.75%first recorded
Fixed rate lock; Minimum fixed rate amount $1,000; Fees:
No additional details available.
WSJ Prime +0%; *12 month Promo rate; 80% Equity; No Closing Costs for First-Time Applicants; Home Equity Minimum Loan Amount is $20,000
Fixed rate lock; Minimum fixed rate amount $1,000; Fees:
Prime - 0.51%; Long-term Variable APR; Advertised rates require monthly automatic repayment from a Rockland Trust checking account, a minimum initial draw of $25,000 and maintaining a daily minimum balance of $25,000 for the first 30 days after the draw period begins (disbursement date). Other loan programs for this type of credit are offered by Rockland Trust that do not include automatic repayment features. As of October 5, 2026, the Prime Rate is 7.00%, resulting in a fully indexed APR of 6.490%. APR of 6.490% is subject to change and may increase after consummation. The corresponding APR will never be less than 3.99% or more than 18.00% per Annum. Advertised rate available for lines of credit between $125,000 and $400,000 on 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less, and for lines of credit greater than $400,000 and up to $750,000 with a combined loan to value ratio (CLTV) of 80% or less as determined by a valuation acceptable to the lender. Other home equity lines of credit outside of these parameters are available. Hazard insurance is required. Flood insurance may be required. If you pay off the entire balance and close your line of credit account within 24 months of consummation, a $500 early termination fee may be charged. Other restrictions may apply. See a Banker for details.
- Oct 7, 20266.49%▲ from 6.24%
- Sep 15, 20266.24%first recorded
Prime Rate - 0.51%
Prime Rate - 0.26%
- Sep 24, 20266.74%▲ from 6.49%
- Sep 15, 20266.49%first recorded
Variable rate after introductory discount period; As low as Prime - 0.250%; Reflects a discount of 0.50% for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met.
Prime minus .25% (rate printed as 6.75% (Prime minus .25)); Interest only; CLTV up to 80%; Fees: $50 annual fee per year; Minimum line amount $10,000; Lock Option allows up to 3 fixed rate amounts in one year
- Sep 18, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
No additional details available.
Term: 10-Year Draw Period/15-Year Payback Period; Loan To Value Ratio: Up to 80%
- Sep 22, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
Term: 20 Year (10-year draw/10-year repayment period); Rate is Prime-indexed (Prime currently 7.00%); maximum rate 18.00%; APR is variable; up to 80% total loan-to-value on primary residences and 70% on secondary residences; minimum line $10,000, maximum line $250,000; $5.00 membership account required; available in Massachusetts and parts of New Hampshire
- Oct 2, 20267.00%▲ from 6.75%
- Sep 22, 20266.75%▼ from 7.00%
- Sep 18, 20267.00%▲ from 6.75%
- Sep 16, 20266.75%first recorded
Credit Score: 780+; Rate: Prime; APR: Prime; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
80% LTV; Intro Rate: 7.000%; Max LTV: 80%; Margin: 0.00%; Index: 7.00%; Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. Estimated fees to open a Home Equity Line of Credit are typically $0. If required: third-party fees may include appraisal, trust review, recording, title, or other applicable settlement-related fees. An early termination fee of $300 applies if the line is closed within the first 36 months. Fees from $0 to $1,250.
- Sep 18, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
Term: 10-Year Draw Period/15-Year Payback Period; Loan To Value Ratio: 81-90%
- Sep 22, 20267.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
Credit Score: 740-779; Rate: Prime + 0.25%; APR: Prime + 0.25%; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
No additional details available.
Credit Score: 700-739; Rate: Prime + 0.50%; APR: Prime + 0.50%; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
Credit Score: 680-699; Rate: Prime + 0.75%; APR: Prime + 0.75%; Lines with Total Exposure Limits: $10,000-$1,000,000; Maximum Loan to Value: Up to 85%
- Sep 24, 20267.75%▲ from 7.50%
- Sep 18, 20267.50%first recorded
Prime Rate + 0.99%
- Sep 24, 20267.99%▲ from 7.74%
- Sep 15, 20267.74%first recorded
90% LTV; Intro Rate: 8.000%; Max LTV: 90%; Margin: 1.00%; Index: 7.00%; Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. Estimated fees to open a Home Equity Line of Credit are typically $0. If required: third-party fees may include appraisal, trust review, recording, title, or other applicable settlement-related fees. An early termination fee of $300 applies if the line is closed within the first 36 months. Fees from $0 to $1,250.
- Sep 18, 20268.00%▲ from 7.75%
- Sep 14, 20267.75%first recorded
Equity Line: 10 year draw - 10 year repayment interest only payments; Max APR: 18%; Prime rate plus 1.000% with floor of 5.50%; MAX loan amount $250,000; Variable rate, subject to change without notice
Equity Line: 5 year draw - 10 year repayment interest only payments, annual fee may apply; Current Variable Rate: 8.000%; Rate: Prime rate plus 1.000% with floor of 5.500%; Variable rate
- Sep 25, 20268.00%▲ from 7.75%
- Sep 14, 20267.75%first recorded
Rate: Prime + 2.00%; APR: Prime + 2.00%
- Sep 24, 20269.00%▲ from 8.75%
- Sep 18, 20268.75%first recorded
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply; Prime rate plus 2.000% with floor of 5.50%; Max APR 18%; MAX loan amount $250,000; Variable rate, subject to change without notice
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New Hampshire Home Equity Snapshot
Local housing and income figures that shape how much equity New Hampshire homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
How Much Can You Borrow in New Hampshire?
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV), the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80 to 85%. Using the statewide median home value of $402,500, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $281,750 | $120,750 | $60,375 |
| Roughly halfway through | $221,375 | $181,125 | $120,750 |
| Well into repayment | $161,000 | $241,500 | $181,125 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income , the statewide median household income is $99,031, before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
New Hampshire Home Equity Rate Trends
Compare local New Hampshire home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes, updated every evening.
New Hampshire HELOC rates fell 0.146 points over the past 7 days to 6.711%.
New Hampshire home equity loan rates fell 0.031 points over the past 7 days to 7.191%.
New Hampshire Home Equity Rate Forecast, Next 12 Months
Where are New Hampshire HELOC and home equity loan rates headed through October 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
What Forecast Rates Mean for New Hampshire Borrowers
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (NH avg) | 6.711% | $280 | 7.191% | $455 |
| 6-Month Forecast | 6.711% | $280 | 7.191% | $455 |
| 12-Month Forecast | 6.461% (6.21, 6.66%) | $269 (-$11) | 6.791% (6.44, 7.09%) | $444 (-$11) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
How Home Equity Lending Works in New Hampshire
New Hampshire Equity Math
According to the U.S. Census Bureau, the median owner-occupied home value in New Hampshire is approximately $402,500. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $161,000 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $100,625 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.
Home Equity Loan vs HELOC, Quick Comparison
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC, Key Differences, Pros and Cons
New Hampshire Home Equity Loan and HELOC Rules
New Hampshire does not add its own loan to value cap, fee cap, or waiting period for home equity loans and HELOCs, so the federal rules below set the baseline and individual lenders set their own limits, most commonly 80 to 90 percent combined loan to value. The state rules that still matter for a New Hampshire borrower cover prepayment penalties, how a foreclosure works, taxes at closing, and who handles the closing.
Prepayment penalties
New Hampshire permits prepayment penalties only if they are stated conspicuously in the note or an addendum, and RSA 397-A requires licensed lenders to disclose them; no state dollar cap applies, so federal qualified mortgage limits govern.
Foreclosure process
Both (non-judicial typical). A power of sale foreclosure requires notice served or mailed to the borrower at least 45 days before the sale plus three weekly newspaper publications, so a sale can occur about 2 to 4 months after the federal 120 day wait, one of the faster processes in the Northeast.
Deficiency after foreclosure
Allowed after a power of sale foreclosure; the lender must sue separately and show the sale was conducted in good faith with a fair and reasonable price.
Redemption after a sale
None after the foreclosure sale; the borrower may redeem only before the sale by paying the full accelerated balance.
Taxes and recording costs
Real estate transfer tax of $15 per $1,000 of price (1.5 percent), split equally so buyer and seller each pay $7.50 per $1,000, with a $40 minimum. No mortgage recording tax.
Who handles the closing
Attorneys customarily handle closings in New Hampshire, though it is not required by law.
Other things to know
New Hampshire has no state usury cap for written loan contracts and no income or sales tax, but a 1.5 percent combined transfer tax that is high by regional standards. The homestead exemption is $120,000 per person. Attorneys or title companies customarily conduct closings, and the state does not recognize tenancy by the entirety.
Federal rules that apply to every home equity loan and HELOC
Home equity loans and HELOCs secured by your main home carry federal protections on top of anything your state adds. For a HELOC, the lender must give you the HELOC disclosure and the CFPB home equity brochure when you apply and cannot charge a nonrefundable fee until three business days later; the rate must follow a public index the lender does not control, and the lender can freeze or cut the line only for specific reasons such as a significant drop in the home's value or a material change in your finances. For both home equity loans and HELOCs you have until midnight of the third business day after closing to cancel for any reason and get your fees back. A loan is a high cost mortgage under HOEPA if its APR is more than 6.5 percentage points above the average prime offer rate for a first lien (8.5 points for a second lien) or if points and fees exceed 5 percent; high cost loans require counseling and cannot carry balloon payments or prepayment penalties. Since 2018, interest on a home equity loan or HELOC is deductible only if the money is used to buy, build, or substantially improve the home that secures it, and only within the $750,000 total acquisition debt cap. Flood insurance is required on any home equity loan or HELOC from a federally regulated lender if the home sits in a FEMA flood hazard area.
Sources
- Nolo: New Hampshire Foreclosure Laws and Borrower Rights
- Alfano Law: New Hampshire Real Estate Transfer Tax Explained
- NH Department of Revenue Administration: Real Estate Transfer Tax FAQ
- Connecticut OLR: State Mortgage Prepayment Penalty Laws
- CFPB: Right of rescission
- Regulation Z section 1026.40 (HELOC rules)
- Regulation Z section 1026.32 (HOEPA)
- Federal Register: 2026 Regulation Z threshold adjustments
- IRS Publication 936, Home Mortgage Interest Deduction
- FHFA 2026 conforming loan limits
- CFPB: Servicemembers Civil Relief Act
- 12 CFR Part 339 (flood insurance)
New Hampshire Home Equity Loan Calculator
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
1. How Much Can You Borrow?
2. Estimated Monthly Payment
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Hampshire home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for New Hampshire directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in New Hampshire. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from New Hampshire borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders, regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Home Equity Basics for New Hampshire Homeowners
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a New Hampshire homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
Home Equity Loan vs. HELOC in New Hampshire
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, New Hampshire Federal Credit Union is listing its Home Equity Fixed Rate, Closed End - First Lien at 4.79%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, St Marys Bank Credit Union is listing its Home Equity Line with Lock Option - Fixed at 5.75%. For New Hampshire borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
How Much New Hampshire Homeowners Can Borrow
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a New Hampshire homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
How New Hampshire Home Equity Rates Are Set
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a New Hampshire borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Risks for New Hampshire Borrowers to Weigh
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For New Hampshire borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.
Frequently Asked Questions about Home Equity & HELOC Rates in New Hampshire
What is the difference between a home equity loan and a HELOC in New Hampshire?
How much equity do I need to qualify for a HELOC or home equity loan?
What credit score do I need for a home equity loan in New Hampshire?
Are HELOC interest payments tax-deductible?
What is the current prime rate and how does it affect my HELOC?
What is a HELOC draw period?
Can I use a home equity loan or HELOC for debt consolidation?
Are there closing costs on a home equity loan or HELOC?
Should I get a HELOC or a home equity loan?
Can I refinance my HELOC into a fixed-rate home equity loan in New Hampshire?
How do I compare home equity and HELOC lenders in New Hampshire?
How do I get home equity loan and HELOC quotes in New Hampshire?
How much equity could a homeowner in New Hampshire have?
What is a typical home equity loan amount in New Hampshire?
Can households in New Hampshire afford a home equity loan payment?
How do property taxes in New Hampshire affect home equity borrowing?
What percentage of homeowners in New Hampshire have a mortgage they could tap for equity?
Does New Hampshire have special rules for home equity loans and HELOCs?
Can I cancel a home equity loan or HELOC after closing in New Hampshire?
Can a New Hampshire lender charge a prepayment penalty on a home equity loan?
What are the best home equity rates in New Hampshire?
- New Hampshire Federal Credit Union: 4.79% (Home Equity Fixed Rate, Closed End - First Lien)
- St Marys Bank Credit Union: 5.75% (Home Equity Line with Lock Option - Fixed)
- Align Credit Union: 6.00% (Home Equity Line of Credit - Current Rate)
- Jeanne D Arc Credit Union: 6.00% (Home Equity Line of Credit ADVANTAGE)
- Union Bank Morrisville, VT: 6.00% (Encore Home Equity Line of Credit for Primary Residences - 10 Year Draw/10 Year Repay)
New Hampshire Rates & Resources
Home Equity & HELOC Rates by City in New Hampshire
