New Hampshire sells the home on 45 days notice, and you can stop it only before the sale.
A power of sale with no lawsuit: the lender must mail a notice of sale at least 45 days ahead and print it three weeks in a newspaper, and the sale is held on your property. We found no statutory right to catch up and none to buy the home back afterward. The one tool the statute names is a petition to the superior court to enjoin the sale, and it has to be filed and served before the sale.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Three dates decide a New Hampshire case. The day the notice of sale is mailed, at least 45 days before the auction on a home. The day of the sale, before which a petition to enjoin it must be filed and served. And one year and one day after the deed is recorded, when challenges to the notice or the sale are barred.
What New Hampshire gives you
Rights that exist because the property is in New Hampshire, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a New Hampshire foreclosure attorney confirm anything that matters before you act.
Questions people ask about New Hampshire foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in New Hampshire?
A typical New Hampshire foreclosure sale runs roughly 166 days from the first missed payment. On a residential mortgage the lender must give at least 45 days notice of the sale, and publish it once a week for three weeks. RSA 479:25.
Can I stop a New Hampshire foreclosure sale?
You can petition the superior court to enjoin the sale, but you must file and finish serving the petition before the sale, or the statute bars later claims about the validity of the sale. RSA 479:25.
Is there a right to catch up on the mortgage in New Hampshire?
We found no statutory cure period, though you may pay all demands secured by the mortgage before foreclosure. RSA 479:18.
What is the New Hampshire homestead exemption?
Since 1 January 2026 it is $400,000 per person, up to $550,000 in total. RSA 480:1.
How long do I have to redeem after a New Hampshire tax lien?
You can redeem at any time before the tax collector gives a deed, which comes after two years from the execution of the lien, and redemption carries 14 percent interest. RSA 80:69 and 80:76.