Real Estate Laws in New Hampshire.

Permits nonjudicial foreclosure where the mortgage deed contains a power-of-sale clause. Requires Notice of Sale with 4-week publication, 30-day notice to the mortgagor, and sale at the property or courthouse.

New Hampshire does not provide a statutory post-sale redemption period after a power-of-sale foreclosure. The borrower must cure before the sale.

1.5% total transfer tax (0.75% paid by each party) on the full consideration. Minimum tax is $20 each. Imposed on deeds and most other real-estate transfers.

Homestead protects up to $120,000 of equity in the debtor's primary residence. Spouses may jointly claim the homestead.

Contractors, subcontractors, laborers, and suppliers may perfect mechanics' liens against improved real property. Perfection requires ad damnum petition (suit), typically within 120 days of last furnishing.

New Hampshire is a race-notice state: a subsequent bona fide purchaser for value without notice who records first prevails over an earlier unrecorded conveyance.

Property taxes are administered locally but are among the highest in the nation by effective rate (1.77%+ on average). New Hampshire relies heavily on property tax revenue given the absence of state income or sales tax.