New Hampshire Cash-Out Refinance Rates Today

See current cash-out refinance rates in NH, estimate how much cash you could take out of your home, and compare a cash-out refinance with a HELOC or home equity loan.

⚡ Get your cash-out rate >

No-impact credit check. No commitment.

View Legal Disclosures

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.500%	7.364%	2.204	$2,250
VA 30-Year Fixed	6.500%	6.932%	2.091	$2,239
Conventional 15-Year Fixed	6.375%	6.894%	2.193	$3,024
Conventional 30-Year Fixed	7.000%	7.283%	1.731	$2,328
Jumbo 30-Year Fixed	6.875%	7.119%	2.250	$6,240

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	6.625%	7.550%	2.499	$2,280
VA 30-Year Refinance	6.875%	7.222%	2.255	$2,310
Conventional 15-Year Refinance	6.490%	7.064%	2.311	$3,046
Conventional 30-Year Refinance	7.125%	7.469%	2.082	$2,358
Jumbo 30-Year Refinance	6.875%	7.131%	2.300	$6,240

Loan Type	Rate	APR	Est. Monthly Payment
Fixed 20-Year HELOC	9.875%	9.875%	$956
Fixed 30-Year HELOC	10.250%	10.250%	$896

Loan Type	Rate	APR	Points	Est. Monthly Payment
Conventional 30-Year Cash-Out Refinance	7.375%	7.759%	2.273	$2,072

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.364% APR and $2,250 monthly payment at 70% loan-to-value (LTV) and 2.204 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.932% APR and $2,239 monthly payment at 70% loan-to-value (LTV) and 2.091 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.894% APR and $3,024 monthly payment at 70% loan-to-value (LTV) and 2.193 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.283% APR and $2,328 monthly payment at 70% loan-to-value (LTV) and 1.731 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.119% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.550% APR and $2,280 monthly payment at 70% loan-to-value (LTV) and 2.499 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.222% APR and $2,310 monthly payment at 70% loan-to-value (LTV) and 2.255 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.064% APR and $3,046 monthly payment at 70% loan-to-value (LTV) and 2.311 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.469% APR and $2,358 monthly payment at 70% loan-to-value (LTV) and 2.082 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.131% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.300 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.875% APR and $956 monthly payment at 20% loan-to-value (LTV) and 0.024 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 10.250% APR and $896 monthly payment at 20% loan-to-value (LTV) and 0.160 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.

Conventional 30-Year Cash-Out Refinance: Interest rate offered based on $300,000 loan amount with 7.759% APR and $2,072 monthly payment at 70% loan-to-value (LTV) and 2.273 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Our online process takes just three minutes and doesn't require a hard credit check. After you finish, our expert loan officers will give you a personalized estimate.

⚡ Estimate My Rate >

No-impact credit check. No commitment.

Rates as of November 3, 2026 · Typical New Hampshire home price: $467,500 · Avg New Hampshire property tax: 1.68% · Avg annual home insurance: $1,353

Cash-out refinances in New Hampshire: Lower’s 30-year fixed cash-out rate today is 7.375% (7.759% APR) with 2.273 discount points, quoted at 70% of your home’s value. On a typical New Hampshire home worth $467,500, that’s a new loan of about $327,250. These figures use a typical New Hampshire home price: the average of the median prices in its largest cities (details at the bottom of the page). What you could borrow and pay depends on your own home’s value, what you owe and your credit.

How much equity have New Hampshire homeowners gained?

+3.1%New Hampshire home prices, past year

+46.1%New Hampshire home prices, past 5 years

$147,500Est. equity from price growth over 5 years on a $467,500 home

New Hampshire home prices rose 46.1% over the five years through the second quarter of 2026 and rose 3.1% over the past year, according to the Federal Housing Finance Agency’s House Price Index. That ranks New Hampshire 23rd among the 50 states and Washington, DC for price growth over the past year. If a home worth New Hampshire’s typical home price of $467,500 kept pace with the index, it was worth about $320,000 five years ago. That’s about $147,500 in equity from price growth alone, before counting any mortgage payments.

A cash-out refinance is based on your home’s current appraised value, so price growth can increase how much cash you may be able to take out. It’s a statewide index, so prices in your area, and your home’s value, may have changed more or less.

How much cash could you take out in New Hampshire?

A cash-out refinance replaces your mortgage with a larger loan, and you get the difference in cash. Here’s how that works out on a typical New Hampshire home worth $467,500, depending on what you still owe.

Estimated cash before closing costs on a $467,500 home with a new loan at 70% of its value, by how much you still owe on your mortgage (shown as a share of the home’s value).

If you still owe	Cash with a new loan of $327,250 (70% of value)
20% of value ($94,000)	$233,250
30% of value ($140,000)	$187,250
40% of value ($187,000)	$140,250
50% of value ($234,000)	$93,250

With a new loan of $327,250 at 7.375% (7.759% APR), your estimated monthly housing cost would be about $3,027: $2,260 principal and interest, $654 property taxes and $113 homeowners insurance.

Try your own numbers

Home value What you owe

New loan at 70% of value: $327,250

Estimated cash before closing costs: $140,250

Estimated monthly principal and interest at 7.375% (7.759% APR): $2,260

Estimated property taxes and insurance (local New Hampshire estimates): $767

Estimated total monthly housing cost: $3,027

How we got these numbers: The home value is the typical New Hampshire home price (sources below). The new loan is 70% of that value, the loan-to-value Lower’s cash-out rate is quoted on. Monthly costs add local New Hampshire property taxes of about 1.68% of value a year and homeowners insurance of about $1,353 a year. Borrowing more, up to the 80% limit that generally applies to a one-unit primary home, may mean a higher rate. Each estimate is the new loan amount minus what you owe, before closing costs and any discount points. A “—” means the new loan wouldn’t cover what you owe. These are examples, not an offer: your actual amount depends on your appraisal, your credit, your debt-to-income ratio and the property. See how much you can cash out on a refinance.

Cash-out refinance estimates in New Hampshire’s largest cities

Home prices, property taxes and insurance vary from city to city across New Hampshire. Here’s a cash-out refinance at 70% of value on a median-priced home in New Hampshire’s 2 largest cities, using Movoto market trends data for September 2026.

Estimates for a median-priced home in each city, with a new loan at 70% of its value.

City	Median home price	New loan at 70%	Principal and interest	Taxes and insurance	Total per month
Manchester	$434,900	$304,430	$2,102	$725	$2,827
Nashua	$500,000	$350,000	$2,417	$810	$3,227

How we got these numbers: Median prices are from Movoto market trends data for September 2026. The new loan is 70% of the city’s median price, the loan-to-value Lower’s cash-out rate is quoted on. Principal and interest is at 7.375% (7.759% APR) over 30 years. Taxes and insurance use each city’s property tax rate and homeowners insurance estimate. The cash you’d get is the new loan minus what you still owe, before closing costs.

New Hampshire cash-out refinance payment examples

Estimated monthly principal and interest on a 30-year fixed cash-out refinance at today’s New Hampshire rate of 7.375% (7.759% APR), by new loan amount.

Monthly principal and interest by new loan amount, at 7.375% (7.759% APR), rates as of November 3, 2026.

New loan amount	30-year fixed at 7.375% (7.759% APR)
$200,000	$1,381
$300,000	$2,072
$400,000	$2,762
$500,000	$3,453

Payments don’t include property taxes, insurance or mortgage insurance. The quoted rate assumes 2.273 discount points, or about $6,819 on a $300,000 loan, paid at closing. A cash-out refinance applies the new rate to your whole balance, not just the cash you take out, so compare it with your current rate. See whether a cash-out refinance is a good idea.

Cash-out refinance basics

A cash-out refinance replaces your current mortgage with a larger loan, and you get the difference in cash at closing. The new rate applies to your whole balance and closing costs apply, so if your current rate is lower than today’s, a HELOC or home equity loan may cost less.

Learn more: how a cash-out refinance works · HELOC vs. cash-out refinance · cash-out refinance vs. home equity loan · New Hampshire HELOC rates · cash-out refinance rates in every state.

Frequently Asked Questions

Can I get a cash-out refinance in New Hampshire?

Yes. Lower offers cash-out refinances in New Hampshire. How much cash you can take out depends on your home’s value, what you owe and your credit.

What are cash-out refinance rates in New Hampshire today?

Lower’s 30-year New Hampshire cash-out refinance rate as of November 3, 2026 is 7.375% (7.759% APR) with 2.273 discount points, based on a $300,000 loan at 70% of the home’s value. Your rate depends on your credit, how much of your home’s value you borrow and the property.

How much cash can I take out with a cash-out refinance in New Hampshire?

Conventional cash-out refinances on a one-unit primary home generally top out at 80% of the home’s value. For example, on a $467,500 home where you owe $187,000, a new loan at 70% of the value ($327,250) would leave about $140,250 before closing costs. Lower’s quoted rate assumes a loan at 70% of value; borrowing more may mean a higher rate. Your actual amount depends on your appraisal, credit and debt-to-income ratio.

Sources: home values from Movoto market trends data for September 2026; the typical New Hampshire home price of $467,500 is the average of the median sale prices in New Hampshire’s 2 largest cities, rounded to the nearest $100: Manchester ($434,900) and Nashua ($500,000). Largest cities are by Census Bureau population estimates among cities with enough Movoto sales data; where a state has too few, the busiest markets by homes sold fill in. Property tax estimates use local effective tax rates and homeowners insurance estimates are average annual premiums, averaged across those cities; your quote will vary. Home price growth: FHFA House Price Index (purchase-only, seasonally adjusted), the second quarter of 2026. Rates: Lower, as of November 3, 2026. Examples only; not an offer of credit. Lower, LLC, NMLS #1124061.

Can You Get a Cash-Out Refinance on an Investment Property?
Explore how to leverage cash-out refinancing on investment properties to access equity, fund...
Can You Use a Cash-Out Refinance for Home Renovations?
Learn about using a cash-out refinance for home renovations and improvements.… by property type....
Can You Use A Cash-Out Refinance To Buy A Second Home?
Learn how to use a cash-out refinance to fund a second home purchase, including benefits, risks,...
What Credit Score Do You Need for a Cash-Out Refinance?
Learn what credit score you might need for a cash-out refinance, as well as other factors that can...
Cash-Out Refinance Seasoning Requirements
Discover cash-out refinance options for investment properties, including seasoning requirements,...
FHA vs. Conventional Cash-Out Refinance
Compare FHA and conventional cash-out refinance options to determine which fits your financial...
How Does a Cash-Out Refinance Work?
Explore cash-out and no cash-out refinancing options. Understand their differences, benefits, and...
How Much Can You Cash Out on a Refinance?
Discover how much cash you can access through a refinance, including conventional, FHA, and VA...
How to Use a Cash-Out Refinance to Pay Off Debt
Explore how cash-out refinancing can consolidate debt, lower interest rates, and streamline...
Is a Cash-Out Refinance a Good Idea?
Explore the benefits and risks of cash-out refinancing to access home equity, simplify payments,...
What Are Cash-Out Refinance Closing Costs?
Learn about cash-out refinance closing costs, including what they are, typical percentages, and how...
What is a Cash-Out Refinance?
Explore cash-out refinancing to access your home equity while changing your mortgage rate....