How does foreclosure work in New Hampshire?
New Hampshire uses a nonjudicial foreclosure process. 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.
Can you catch up and keep your home?
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.
Until when can you sell and keep your equity?
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. See your exact dates with the free New Hampshire Foreclosure Deadline Calculator.
The honest math on a New Hampshire foreclosure
Every day you carry the loan, arrears, fees, and interest grow. A traditional listing takes weeks to market and 30–45 more days for a financed buyer to close — time you may not have before the sale date.
A cash sale that closes before the sale date lets you walk away with your equity instead of losing it at auction. Talk to a free HUD counselor too — you may have options beyond selling.