New Hampshire
New Hampshire Revised Statutes § 479:25. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial foreclos
Deficiency
Lender may pursue deficiency. Deficiency is limited to debt
Mediation
No mandatory statewide program.
Statute Citation
N.H. Rev. Stat. Ann. §§ 479:22-479:27-b
Redemption Period
No statutory right of redemption after non-judicial foreclosure. New Hampshire abolished post-sale redemption for residential mortgages.
Deficiency Judgment Rule
Lender may pursue deficiency. Deficiency is limited to debt − fair market value. Fair value hearing must be requested. Deficiency action must be brought within 3 years of the sale.
Notice Requirements
Notice of sale published once per week for 3 consecutive weeks. Notice must be mailed to borrower. New Hampshire requires detailed compliance with the mortgage terms.
Mediation Program
No mandatory statewide program.
Key Provisions
- Power of sale foreclosure (non-judicial)
- Strict compliance with mortgage terms required
- No post-sale redemption
- Fair value hearing for deficiency
Homeowner Protections
- Fair value limitation on deficiency
- 3-week publication requirement for notice
- Strict compliance with mortgage terms — deviations void the sale
Frequently Asked Questions
What notice does the lender have to give in New Hampshire?+
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