Manchester, NH Mortgage Rates
Live Mortgage Rates in Manchester, New Hampshire
6.490%
Manchester Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:28 PM UTC
Sourced live from hundreds of wholesale lenders serving Manchester and New Hampshire
Manchester Benchmark Rates
Lowest available rate with no discount points paid in Manchester, NH for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Manchester, NH | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Manchester, NH | 5.990% | 6.020% |
VA VA Purchase (100% LTV, 680 FICO) · Manchester, NH | 5.990% | 6.020% |
2026 Loan Limits in New Hampshire
Conforming
$832,750 baseline
High-cost New Hampshire counties go up to $1,249,125 - Manchester may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost New Hampshire counties allow more, up to $1,249,125 - check your specific county.
About Manchester Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Manchester, New Hampshire homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving New Hampshire and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Manchester property.
Your specific Manchester rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full New Hampshire lender network, use the Rate Direct pricer.
Manchester buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to New Hampshire, see the New Hampshire DPA guide.
Get your personalized Manchester mortgage rate
The rates above are the market benchmark for Manchester. Your actual rate depends on your scenario.