MoneyGeek compiled current refinancing rates in New Hampshire to help you decide which loan type is best for your situation. See New Hampshire's most recent average rates for different mortgages in the table below.
Today’s Refinance Rates in New Hampshire
New Hampshire homeowners with a mortgage owe an average of $179,054 and pay $1,140 per month, $19 less than the national average. Granite State homeowners refinance their loans to lower interest rates and monthly premiums.
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Lilian Mironga
Content Editor
Lilian Mironga is a content editor at MoneyGeek looking to grow in the personal finance space. Her mission is to lend a voice to the average person who wants to gain control of their finances. She muses that her joy revolves around exploring unique ways to make and save money and sharing these experiences that connect us. One financial tip at a time. Lilian has served in different creative and editorial capacities for websites and small businesses. One of her primary roles is to help enforce editorial lines across publications and convey clear messages to audiences. She previously worked as a managing editor for several pregnancy and parenting websites. She graduated from Mt. Kenya University with a Diploma in Clinical Medicine and Surgery. Over the years, she’s taken on assignments that utilize her health background. Lilian now dedicates her time to online publishing in different formatting styles and bringing a writer’s perspective to the editing process.
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Lilian Mironga
Content Editor
Lilian Mironga is a content editor at MoneyGeek looking to grow in the personal finance space. Her mission is to lend a voice to the average person who wants to gain control of their finances. She muses that her joy revolves around exploring unique ways to make and save money and sharing these experiences that connect us. One financial tip at a time. Lilian has served in different creative and editorial capacities for websites and small businesses. One of her primary roles is to help enforce editorial lines across publications and convey clear messages to audiences. She previously worked as a managing editor for several pregnancy and parenting websites. She graduated from Mt. Kenya University with a Diploma in Clinical Medicine and Surgery. Over the years, she’s taken on assignments that utilize her health background. Lilian now dedicates her time to online publishing in different formatting styles and bringing a writer’s perspective to the editing process.
Updated: January 18, 2024
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Current Refinance Rates in New Hampshire
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Mortgage Refinance Rates From Top Lenders
What Is a Good Refinance Rate in New Hampshire?
Refinance rates in New Hampshire are presently less expensive than the national averages. For instance, the state's 15-year fixed-rate mortgage (FRM) is 4.43% compared to 4.45% nationwide. The same applies for a 30-year FRM — 5.15% in New Hampshire compared to 5.30% nationwide and a 5/1 adjustable-rate mortgage (ARM) — 3.64% in New Hampshire compared to 4.19% nationwide.
To get the best available refinance rate, you need to take into account your credit score, income and debts.
Keep in mind that rates constantly fluctuate, so don't panic if a lender's estimate shifts weekly. What matters is that you compare quotes between different lenders to get the current best deal.
Estimate Your New Monthly Mortgage Payment
To get an idea of how much you'll pay each month if you decide to refinance, enter your new loan information into MoneyGeek's mortgage calculator below. Your interest rate depends on debt-to-income ratio, creditworthiness and other personal factors.
By Mandy Sleight, Licensed Insurance Agent
Frequently Asked Questions About Refinance Rates in New Hampshire
MoneyGeek answered commonly asked questions about mortgage refinance in New Hampshire to help you make an informed decision.
A good refinance rate should be lower than your current interest rate. The current refinance rates in New Hampshire range from 4.43% to 5.15% for a 15- and 30-year FRM. These rates are lower than the national averages. Refinancing helps you save money by lowering your monthly payments or the interest you pay over the life of your loan.
A bad refinance rate in New Hampshire is higher than the current market rate. This can happen for several reasons, including having a poor credit score. If you're stuck with a bad rate, try shopping around to see if you can find a better deal elsewhere or consider switching to ARM loans because they typically offer a lower interest rate than fixed-rate loans.
The average interest on a 30-year FRM in New Hampshire is 5.15%. That's slightly lower than the current national average of 5.30%. Any rate in line with this average is competitive.
The current refinance rate in New Hampshire for a 15-year FRM is 4.43%, which is lower than the national average.
Generally, a good refinance rate in New Hampshire is lower than the going average. 3.64% is the current average interest for a 5/1 ARM in New Hampshire.
Read More on Mortgages
sources
- FRED. "Mortgage Rates." Accessed July 13, 2022.