HARD MONEY LOANS · New Hampshire (NH) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

New Hampshire Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

New Hampshire Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). In New Hampshire (NH), lenders underwrite to a Non-Judicial (Statutory Power of Sale) statutory framework (60–85 days-day average timeline), a 1.93% average property tax rate (~$732/mo at the $455,000 state median), and $460/$100K hazard insurance (~$174/mo).

Max Leverage / LTC
Up to 85%–90% LTC / 75% ARV
Min FICO: 600 – 640+ FICO (Asset-Backed)
2026 Rate Band
9.25% – 11.50% Interest-Only
6, 12, 18 & 24 Months Interest-Only
NH Security Instrument
Non-Judicial (Statutory Power of Sale)
60–85 days days avg timeline
NH Avg Tax & Ins
1.93% Tax
$460/$100K Hazard Ins

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New Hampshire Hard Money Loans (2026) — Up to 85%–90% LTC / 75% ARV, 9.25% – 11.50% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach