old man image

New Hampshire Foreclosures For Sale

"Our Experience Makes The Difference"

  nh foreclosures logo
Managing and selling bank owned properties
and counseling borrower clients in Notice of Default through foreclosure resolution
-Belknap NH (9)
-Carroll NH (19)
-Cheshire NH (10)
-Grafton NH (23)
-Hillsborough NH (20)
-Merrimack NH (15)
-Rockingham NH (21)
-Strafford NH (18)
-Sullivan NH (10)
VT-Addison VT (3)
VT-Bennington VT (16)
VT-Caledonia VT (10)
VT-Orange VT (2)
VT-Rutland VT (17)
VT-Windham VT (13)
VT-Windsor VT (19)
For House Flippers
Motivated Sellers
The foreclosure process
How to buy bank owned REO real estate
How to find bank owned REO real estate for sale
The Short Sale
Who is representing your interests?
Last Months Sales Stats
Free CMA
First Time Buyers
Buyers Check List
Little /no money down
Things to consider before buying a house.
The Closing
Save on your Taxes
Mortgage Information
NH Laws
National Resources
Resources on the Web
Acworth NH bank foreclosures(1)
Albany NH bank foreclosures(2)
Allenstown NH bank foreclosures(1)
Andover NH bank foreclosures(2)
Antrim NH bank foreclosures(2)
Barnstead NH bank foreclosures(1)
Barrington NH bank foreclosures(2)
Bartlett NH bank foreclosures(2)
Bath NH bank foreclosures(1)
Belmont NH bank foreclosures(2)
Bethlehem NH bank foreclosures(2)
Boscawen NH bank foreclosures(1)
Campton NH bank foreclosures(3)
Canaan NH bank foreclosures(1)
Canterbury NH bank foreclosures(1)
Chesterfield NH bank foreclosures(1)
Chichester NH bank foreclosures(1)
Claremont NH bank foreclosures(4)
Concord NH bank foreclosures(1)
Conway NH bank foreclosures(3)
Danbury NH bank foreclosures(1)
Deerfield NH bank foreclosures(3)
Dover NH bank foreclosures(1)
East Kingston NH bank foreclosures(1)
Effingham NH bank foreclosures(1)
Epping NH bank foreclosures(1)
Exeter NH bank foreclosures(3)
Farmington NH bank foreclosures(3)
Fitzwilliam NH bank foreclosures(1)
Francestown NH bank foreclosures(2)
Franklin NH bank foreclosures(1)
Gilford NH bank foreclosures(3)
Gilmanton NH bank foreclosures(1)
Grafton NH bank foreclosures(2)
Grantham NH bank foreclosures(1)
Greenland NH bank foreclosures(2)
Groton NH bank foreclosures(1)
Hampstead NH bank foreclosures(1)
Hampton NH bank foreclosures(2)
Haverhill NH bank foreclosures(1)
Henniker NH bank foreclosures(1)
Hinsdale NH bank foreclosures(2)
Hopkinton NH bank foreclosures(1)
Hudson NH bank foreclosures(2)
Jackson NH bank foreclosures(1)
Laconia NH bank foreclosures(1)
Lisbon NH bank foreclosures(2)
Litchfield NH bank foreclosures(1)
Madison NH bank foreclosures(1)
Manchester NH bank foreclosures(3)
Merrimack NH bank foreclosures(2)
Milford NH bank foreclosures(1)
Milton NH bank foreclosures(1)
Moultonborough NH bank foreclosures(2)
Nashua NH bank foreclosures(2)
New Durham NH bank foreclosures(2)
Newmarket NH bank foreclosures(1)
Northfield NH bank foreclosures(1)
Northwood NH bank foreclosures(2)
Nottingham NH bank foreclosures(1)
Orford NH bank foreclosures(2)
Pelham NH bank foreclosures(2)
Peterborough NH bank foreclosures(1)
Plymouth NH bank foreclosures(2)
Portsmouth NH bank foreclosures(1)
Raymond NH bank foreclosures(1)
Rindge NH bank foreclosures(2)
Rochester NH bank foreclosures(2)
Rollinsford NH bank foreclosures(3)
Rumney NH bank foreclosures(2)
Sandown NH bank foreclosures(1)
Seabrook NH bank foreclosures(1)
Somersworth NH bank foreclosures(4)
Stoddard NH bank foreclosures(1)
Sullivan NH bank foreclosures(1)
Sunapee NH bank foreclosures(1)
Sutton NH bank foreclosures(1)
Tamworth NH bank foreclosures(2)
Temple NH bank foreclosures(1)
Thornton NH bank foreclosures(2)
Tilton NH bank foreclosures(1)
Tuftonboro NH bank foreclosures(1)
Unity NH bank foreclosures(1)
Wakefield NH bank foreclosures(2)
Washington NH bank foreclosures(2)
Webster NH bank foreclosures(1)
Wentworth NH bank foreclosures(1)
Wilmot NH bank foreclosures(1)
Wilton NH bank foreclosures(1)
Winchester NH bank foreclosures(2)
Wolfeboro NH bank foreclosures(2)
Woodstock NH bank foreclosures(1)

New Hampshire foreclosure Law and Process

How a property becomes REO (real estate owned) or Bank Owned.

The following is not to be considered in any way to be legal advise.
The content below is derived from various sources and is presented to help you to understand
how the foreclosure process may have occurred on a property.


The process for foreclosure in New Hampshire depends on the agreement the lender has with the borrower

If the Bower has a "power of sale" clause( and most loans today include this) The non-judicial process of foreclosure is used. This simply allows the lender to exercise their right to sell a property as the borrower agreed to in the loan agreement and has defaulted on buy not making payments as agreed. The process can vary depending on the terms outlined in the "power of sale" clause, but most often it follows these steps.

  • First the lender files a "notice of sale" and it is recorded in the county where the property is located. A copy is mailed to the borrower at 25 days before a sale can happen. This gets the process started. The borrower can stop the process here by remedying the default status with the lender all the way up to the time of the sale.
  • Next, for the 3 weeks leading up to the sale the lender has to publish at least once per week a notice of the upcoming sale in the local newspaper. Basically this notice servers 2 purposes. First generate potential buyers by letting them know date and place of sale, with a description of the property and the default, as well as a "warning" to the borrower, informing him the property is going to be sold and what rights he has to stop the procedure.
  • In New Hampshire The foreclosure sale must be held on the property to be sold and is in an auction format, the highest bidder wins.

So when you see those late night infomercial of how to buy a $500,000 dollar home for 500 bucks this is what they are talking about. What they don't tell you is the lender or bank has the right to bid also. They would be nuts to let you buy it for 500 bucks if they are owed 400,000 for it. The types of sales that can bring a $500,000 home for cheap are more commonly tax sales, and again the bank will be there.

Should you go around chasing foreclosure auctions? Well there are a few things to consider.

PRO Yes you could get a great deal and buy a property for well under the appraised value.
CON Most likely you will not have a chance to the inside and have no ideal of the condition, it may cost you more than equity in fixing it up. Do your homework, and visit the property before you attend the auction. Some investors have gotten great deals at these auctions, others have lost their shirts.
CON This is an auction, you will need a certified check to give to the auctioneer at the end of the auction.
CON You may have also bought all the other debt that the borrower has on the property. Like back property taxes, IRS leans,unpaid bills, secured credit debt, outstanding judgments. research the property at the town clerks office before you consider bidding to know if there are any other claims. Remember the borrower didn't pay their mortgage, and that means they stopped paying others also.
BIG CON Ok, you did your homework and went to the auction, and no bidding war went on, and you won. You go inside your new home and guess what, the pervious owner is still there! Now you have to go through the eviction process to get rid of them, and they are trashing the place like a dog ripping up your kids homework.

In the end, Because of all the risk, the auction will most likely the property reverts back to the bank that holds the mortgage. Attending the auction is a good idea because you will see if there was any other interest in the property. This will give you a good idea of the competition for it.

Now if you are not completely discouraged don't give up. There is a great way to get the foreclosed property with out any of the CONs associated with a public foreclosure auction!

.Since the property didn't sell the ownership reverts back to the bank that holds the mortgage. Now it is call an REO or real estate owned, or Bank Owned property. This is when it gets to be a save opportunity and a great investment, read more about it on our

Buying bank owned real estate page.


Copyright 08/22/19 NH Foreclosures For Sale
Not all listings presented in this site are foreclosures. Some may be listings from Sellers who are motivated to sell quickly or sell the property "as is". These listings are easier to purchase than a foreclosure and may be as good or better deal than a foreclosure.
realtor logo hud logo nneren logo
Copyright © 2019 Northern New England Real Estate Network, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of NNEREN. The information being provided is for consumers´ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated August 22nd, 2019
NH Foreclosures For Sale is
NH Home Team 53 Bay Street Manchester, NH 03104 1-800-398-3255
Coldwell Banker Homes Unlimited 112 Washington St, Claremont NH. 603-542-2503
e-StarrRealty Lakes Region NH 603-393-7227

New England Real Estate NNEREN IDX and Webpage Designed and Hosted by B.S.C.