While sometimes overlooked for its smaller population, New Hampshire is a growing real estate market with new and profitable investment opportunities popping up each day. It is important to partner with sources of financing that are experienced and tenured within the local real estate communities. Whether a small or rural loan in the state’s vast White Mountains or a large-scale flip in Manchester, EquityMax is your competitive lender on each and every deal.

Dynamic Hard Money Financing In New Hampshire

Knowledgeable Answers

EquityMax employs a tenured staff with years of real estate investment experience, on call and at your disposal 24/7. Our team consists of an efficient group of professionals to answer all of your private money questions to help our clients make informed decisions on purchase and refi loans.

Experience Not Required

As you build a track record utilizing our hard money loan programs, the terms EquityMax offers on each successive deal will improve considerably.  Whether it’s a higher LTV or lower interest rate, EquityMax looks to maintain its competitive edge versus other lenders to earn your business.

Diverse Geographic Scope

From Manchester to the rural north, EquityMax understands that there is always real estate to invest in. No matter the area, we can provide quick and seamless underwriting and ensure you and the seller that financing will not hold up your deal.

Insight Is Free

At EquityMax, the principals of the company are always available to answer questions and impart advice about your deal’s potential and the various financing alternatives you have.  We will work continuously until you have a course of action that lends itself to a profitable real estate venture.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In New Hampshire?

Latest Success Story

A first-time investor wanted to start off by focusing on vacant land. The landscape of lenders for this type of investor are limited. She proposed a low LTV loan amount on a land purchase, and EquityMax financed it in less than 2 weeks.

Rural Vacant Land/Acreage

Location – New Boston, NH

Loan Amount – $25,000

Purchase Price – $75,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – N/A

Actual Retail Value – $75,000

Profit – TBA Upon Development

Driving Factors For New Hampshire Real Estate Market

Growing Demand In Rochester

Rochester is one of New Hampshire’s largest cities but is a cheaper alternative to cities like Dover, Nashua, and Concord. The median home value in the city is well below the state’s average so it could see an influx of budget-conscious buyers seeking affordable living spaces in a metropolitan area.

Inventory Affecting Appreciation

Prices have increased across the state for the past 10 years, and the main driving factor is a distinct lack of inventory. Even with interest rates on the rise, appreciation is still expected to continue upward.

Movement To The Countryside

The pandemic has shifted the workplace to the home for many workers so it wouldn’t be surprising to see residents flee to the state’s larger cities to settle in more rural and affordable areas.

Real Estate Market Breakdown of New Hampshire


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Hillsborough, Rockingham, Merrimack, Strafford, Grafton

EquityMax Insight

New Hampshire hasn’t typically been a place for investors to take advantage of foreclosed homes and distressed properties. However, the removal of moratoriums and the threat of a recession has made it more difficult on homeowners and therefore could provide opportunities for investors to get deals well below market value for rehabs or wholesaling. Investing in rental properties has also proven a viable exit strategy as home prices in the state have increased by almost 20% in the last year, pushing potential buyers into the rental market.

What Our Clients Say

November 17, 2022

“There are few lenders out there that 1) lend to first-timers and 2) on vacant land. Glad to say EquityMax is one of them, and happy to have worked with them.”

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

Did You Know

EquityMax staff members have (regrettably) never once been to New Hampshire!

Frequently Asked Questions

First time investors are our specialty.  Though, we also lend to experienced investors.  It doesn’t matter if this is your first deal or 10th deal, we’ll fund it!

There is no credit minimum for our borrower to invest in New Hampshire, no matter the deal.

We have been in operation for 30+ years, since 1990, and have been lending in New Hampshire for nearly 20 years.

Receive Immediate Pre-qualification Within 10 Minutes!