Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
New Hampshire uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
No fixed statutory cure period in RSA 479:25. Reinstatement (paying only the arrears, fees, and costs) is generally available up to the foreclosure sale under the loan contract and federal servicing rules — 603 Legal Aid confirms homeowners can reinstate 'up to the point of foreclosure sale' — but the number of days is not set by NH statute, so no fixed statutory count applies. RSA 479:25 (no statutory cure); 603 Legal Aid Foreclosure Relief guidance
Before the sale: Yes (equitable right of redemption): the homeowner may pay the entire outstanding debt — principal, interest, fees, and costs — at any time up until the foreclosure sale and keep the home. Reinstatement of arrears is also typically available until the sale per loan terms.
After the sale: No. New Hampshire has no post-sale redemption for mortgage foreclosures; once the sale occurs and the deed is recorded, ownership transfers. Challenges to the form/manner of notice or the conduct of the sale are barred one year and one day after the foreclosure deed is recorded (RSA 479:25). RSA 479:25
The homeowner can sell the home and keep the equity up until the foreclosure sale itself — the deal must close (and the mortgage be paid off) before the auction. After the sale there is no redemption, though surplus auction proceeds above the debt and costs belong to the former owner.
Want the fuller picture beyond the dates? Read the New Hampshire foreclosure guide — timeline, rights & options.
After a tax lien is executed, the owner may redeem at any time before the collector gives a tax deed by paying the lien amount plus 14% annual interest and costs (RSA 80:69). The collector executes the deed to the lienholder after 2 years from execution of the lien (RSA 80:76), so ~2 years is the practical redemption window. RSA 80:69; RSA 80:76
Very fast: because no court case is required, a homeowner can lose the home in under 120 days from acceleration if nothing is done — acceleration letter, 45-day notice of sale with 3 weeks of publication, auction, deed recorded within about 60 days after sale (practitioner estimate; per 603 Legal Aid). (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.