We Buy Houses in New Hampshire.
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Seven to fourteen days when there is a real deadline, and closer to thirty for a normal timeline. What moves the needle is the title work — an open estate, a town lien, or a missing discharge on an old mortgage adds days. Tell us the deadline on the first call and we will tell you honestly whether we can beat it.

Almost always through the power of sale written into your mortgage. Your lender does not have to sue you or get a judge’s permission — it gives the required notices and auctions the property. For a residential mortgage the notice has to reach you at least 45 days before the sale, and the sale has to be advertised in a newspaper once a week for three weeks, with the first ad running at least 20 days out.

That is why New Hampshire feels faster than the judicial states next door. There is no docket, no hearing, and no confirmation step afterward. This is general information rather than legal advice — get your own dates confirmed by a New Hampshire attorney.

Often yes, and this is the most common call we get from New Hampshire. State law lets you redeem the mortgage at any time before the foreclosure by paying what is secured, plus costs — which is exactly what a cash sale that closes before the auction does. Your mortgage contract will usually also allow reinstatement by bringing the arrears current up to the sale date.

The practical limit is the calendar, not the law. Call us with the sale date in hand and we will tell you straight away whether there is enough runway.

Generally no, and this is the single most important thing to understand here. New Hampshire’s foreclosure chapter allows redemption before foreclosure, not after. Once the foreclosure deed and affidavit are recorded, title passes to the buyer free of interests junior to that mortgage. There is no statutory post-sale redemption window after a power-of-sale auction the way some states provide.

There is also a hard rule about challenging the sale: if you want a court to stop it, you have to file a petition in the Superior Court and complete service on the foreclosing party before the sale happens. Miss that and the right to challenge the foreclosure is generally barred.

Your town — not the state — collects it. The collector has to send notice by certified mail at least 30 days before executing a lien on the property. Once the lien is executed, interest runs at 14% a year on the recorded amount, and you can redeem at any time before a deed is issued, including in partial payments.

After two years from the execution of the lien, the collector may issue a tax deed. Before that happens you get another notice, again by certified mail and at least 30 days out, and your mortgage holder gets one too. If the town later sells a tax-deeded property for more than what it was owed, the former owner is entitled to the excess — New Hampshire’s Supreme Court struck down the three-year cutoff on that right in 2020.

Usually, with a step in the middle. New Hampshire estates run through the Circuit Court, Probate Division, and the state still uses “executor” for someone named in a will and “administrator” for someone appointed by the court. To sell estate real estate to pay the estate’s debts, the fiduciary normally files for a license to sell — unless the will grants that authority or the heirs consent under the statute.

New Hampshire’s simplified track is not a dollar-amount small-estate rule the way other states have it. It is a waiver of administration, and it turns on who is serving — for example a sole beneficiary or sole heir acting as administrator. It skips the inventory, bond, and accounting, but a sale to pay debts still runs through the license process. Worth knowing on timing: a claim against the deceased generally has to be brought within a year of the original grant of administration, and buyers and title insurers pay attention to that window.

Yes — we buy Manchester and Nashua multi-families with tenants in place, and no showings are required. In New Hampshire a buyer generally takes the property subject to the existing tenancy; the lease does not evaporate at closing.

The piece that trips up selling landlords is the security deposit. State law requires you to turn deposits over to the buyer at the delivery of the deed or within five days after, and to notify each tenant by registered or certified mail of the handoff and the new holder’s name and address. Do it properly and you are released from liability for that deposit; skip it and you are not. We build it into the closing checklist.

No commission and no fees from us. One New Hampshire item to plan for: the state real estate transfer tax is charged to both sides at $0.75 per $100 of price — 1.5% in total, with the seller’s half being 0.75%. That is state law and it applies whoever the buyer is.

People often assume New Hampshire’s lack of a general sales tax or broad income tax means a home sale is tax-free here. The transfer tax still applies, and federal capital gains rules still apply. Your closing attorney will lay out the exact figures.

Not for us. It is worth knowing the rule though, because it surprises people: New Hampshire requires a licensed septic evaluation before transferring developed waterfront property where any part of the system sits within 250 feet of the reference line — and the statute puts that cost on the buyer, not the seller. There is no equivalent statewide requirement for an inland property.

We buy with failed or unknown systems either way. Just tell us what you know up front so it goes into the offer rather than surfacing a week before closing.

New Hampshire does not have one single statewide seller’s disclosure form the way some states do. What it does require, before a purchase and sale agreement is signed, are specific written notices — radon, arsenic, lead, and as of January 2025, PFAS and flood risk — plus disclosures about the private water supply, septic system, insulation, and flood-hazard zone status, with the buyer signing to acknowledge receipt.

If you do not know an answer, the statute lets you say so in writing. We handle the paperwork on our side and never ask you to guess.