Free foreclosure help in New Hampshire

Who to call first, by situation

• You are not behind yet but expect to be

  As soon as you see trouble coming

  Call your servicer, then dial 2-1-1 New Hampshire or use New Hampshire Housing: Resources for Homeowners to find a free HUD-approved housing counselor. If property taxes are the problem and you are 65 or older or on disability benefits, ask your town or city assessing officials about a tax deferral by March 1.

  RSA 72:38-a

• You are behind but have no notice of sale

  Before you are 120 days behind

  Ask your servicer for a loan modification application and send every document it asks for. Call the hotline listed by the New Hampshire Banking Department: Foreclosure Information & Assistance, (800) 437-5991, for information and referrals at no charge.

• You received a notice of foreclosure sale

  The same day; you may have only 45 days

  Call 603 Legal Aid at (603) 224-3333 and ask for the Foreclosure Relief Project, which offers a free phone appointment with an attorney and may refer you to New Hampshire Legal Assistance. If you do not qualify, the New Hampshire Bar Association: Lawyer Referral Service at 603-229-0002 can connect you with a private lawyer.

  RSA 479:25

• You want the court to stop the sale

  File and serve before the sale

  The New Hampshire Judicial Branch: Complaint to Enjoin Foreclosure Sale (form NHJB-2834-Se) is filed in the superior court for your county. 603 Legal Aid may be able to help with the process. A licensed attorney can explain whether you have grounds.

  RSA 479:25, II(c)

• Your servicer is not following the rules

  Before the sale if possible

  Send a written complaint with copies of your documents to the New Hampshire Banking Department: Consumer Complaints, or call (603) 271-3561 with questions. It handles state-chartered banks and licensed mortgage companies and refers other complaints to the right regulator. Only a court can stop a sale, so also call legal aid.

• A rescue company or home buyer contacted you

  Before you sign or pay anything

  New Hampshire bans foreclosure consultants from charging anything until the work is fully done and lets you cancel their contract at any time. Report scams to the New Hampshire Department of Justice: Consumer Protection Hotline at 1-888-468-4454. A HUD-approved housing counselor does the same work for free.

  RSA 479-B:4, 479-B:5

• The new owner is trying to evict you

  Before the return day on the writ

  Call 603 Legal Aid at (603) 224-3333 or 1-800-639-5290 and file your appearance by the return day. The New Hampshire Judicial Branch information line, 1-855-212-1234, can tell you your hearing date.

  RSA 540:13

Official and nonprofit help in New Hampshire

None of these charge homeowners for foreclosure help.

• New Hampshire Housing: Resources for Homeowners

  The state housing finance agency's guide to the New Hampshire foreclosure process, options to avoid foreclosure and where to find free counseling.

• New Hampshire Banking Department: Foreclosure Information & Assistance

  Runs the free state foreclosure hotline named in every New Hampshire notice of sale and warns about rescue scams.

  (800) 437-5991

• New Hampshire Banking Department: Consumer Complaints

  Takes written complaints about state-chartered banks and licensed mortgage companies, and refers complaints about others to the right regulator.

  (603) 271-3561

• New Hampshire Department of Justice: Consumer Protection Hotline

  The Attorney General's line for reporting fraud, scams and deceptive business practices, including foreclosure rescue schemes.

  1-888-468-4454

• 603 Legal Aid

  Free civil legal help for people with low income; its Foreclosure Relief Project offers a free phone appointment with an attorney.

  (603) 224-3333

• New Hampshire Legal Assistance

  Free civil legal aid in housing cases, including foreclosure, eviction and property tax deeding; you apply through 603 Legal Aid.

• New Hampshire Judicial Branch: Complaint to Enjoin Foreclosure Sale (form NHJB-2834-Se)

  The court form a homeowner can use to ask the superior court to stop a scheduled foreclosure sale.

• New Hampshire Bar Association: Lawyer Referral Service

  Connects you with a private New Hampshire lawyer and lists reduced fee services; it charges a $25 administrative fee.

  603-229-0002

• 2-1-1 New Hampshire

  The statewide help line that New Hampshire Housing and the Banking Department point to for finding a housing counselor and help with mortgage, tax and utility bills.

  2-1-1

New Hampshire Homeowner Assistance Fund (NH HAF)

The NH Homeowner Assistance Fund, run by New Hampshire Housing, stopped taking applications on March 8, 2024, when its money ran out. The U.S. Treasury says the federal Homeowner Assistance Fund period ended on September 30, 2026, so no HAF money can be used for new help. We did not find any other open state mortgage payment program. If property taxes are part of the problem and you are 65 or older or receive Social Security disability benefits, state law lets your town or city's assessing officials defer part or all of your property taxes, with 5 percent interest, if you qualify and your mortgage holder approves. The application is due by March 1.

Check the program’s current status

Common questions in New Hampshire