Today’s Refinance Rates in New Hampshire

Today's refinance rates in New Hampshire are less expensive than the national averages — 4.43%, 5.15% and 3.64% for 15-year FRM, 30-year FRM and 5/1 ARM, respectively. Granite State homeowners owe an average of $179,054 in mortgages and pay $1,140 monthly. They can refinance their loans to lower interest rates and monthly premiums.

Edited by Lilian Mironga

Updated: November 4, 2024

Advertising & Editorial Disclosure

WHAT WE’RE GEEKING OUT ON:

Current Refinance Rates in New Hampshire
Refinance Rates From Top Lenders
What Is a Good Refinance Rate in New Hampshire?
Estimate Your New Monthly Mortgage Payment
Frequently Asked Questions About Refinance Rates in New Hampshire

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.

Mortgage Refinance Calculator in New Hampshire

Make sure refinancing your existing home loan will save you money.

Calculation Results

Total Savings:

$0

By refinancing, you’ll pay $0

Monthly Payments

Total Payments

Total Interest

Current Loan

New Loan

Savings

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.

What is a good refinance rate in New Hampshire?

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.

What is a bad refinance rate in New Hampshire?

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.

What is a good refinance interest rate on a 30-year fixed-rate mortgage in New Hampshire?

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.

What is a good refinance interest rate on a 15-year fixed-rate mortgage in New Hampshire?

The current refinance rate in New Hampshire for a 15-year FRM is 4.43%, which is lower than the national average.

What is a good refinance interest rate on a 5/1 adjustable-rate mortgage in New Hampshire?

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.