New Hampshire sells the home on 45 days notice, and the court petition to stop the sale must be filed 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.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
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?
With no delays or disputes, a 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, and to stop it the petition must be filed and served before the sale. Some claims about the form of the notice or the conduct of the sale can still be raised until one year and one day after the deed is recorded. 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.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against New Hampshire law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.