New Hampshire Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
New Hampshire Executive Market BLUF
New Hampshire has no state income tax, making it a popular New England retirement refuge where HECMs offset local property taxes.
Strategic Key Takeaways
- •Statewide senior home equity: $95.0 Billion.
- •Average Maximum Claim Amount (MCA): $423,000.
- •Annual endorsement momentum: +13.0% YoY.
- •Regulatory category: Standard HUD/FHA.
340,000 seniors age 62+
Rank #38 Nationwide
Prior Year: 230
Median Home: $460,000
New Hampshire HECM Endorsement History
Annual volume trajectory vs average claim amount
Top HECM Origination Counties in New Hampshire
10 Total Counties TrackedNew Hampshire County-Level HECM & Senior Equity Directory (10 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in New Hampshire.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Merrimack County | 33013 | 97 | $321,408 | $3.5B | +6.5% |
| Hillsborough County | 33011 | 90 | $384,696 | $9.9B | +6.5% |
| Rockingham County | 33015 | 80 | $458,028 | $10.2B | +6.5% |
| Strafford County | 33017 | 70 | $324,216 | $2.5B | +6.5% |
| Grafton County | 33009 | 67 | $294,948 | $2.2B | +6.5% |
| Cheshire County | 33005 | 54 | $257,904 | $1.6B | +6.5% |
| Carroll County | 33003 | 49 | $341,064 | $1.9B | +6.5% |
| Belknap County | 33001 | 48 | $319,572 | $1.7B | +6.5% |
| Sullivan County | 33019 | 33 | $228,312 | $0.8B | +6.5% |
| Coos County | 33007 | 26 | $170,532 | $0.5B | +6.5% |
Calculate Borrowing Power in New Hampshire
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Actuarial Matrix • Active FHA MCA Cap: $1,149,825
Under HUD ML 2014-07, spouses of any age can be named as an Eligible Non-Borrowing Spouse, securing statutory rights to remain in the home indefinitely after the borrowing spouse passes away.
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
10-Year Line of Credit Compounding Trajectory
| Year | Available Line | Loan Balance | Est. Retained Equity |
|---|---|---|---|
| Year 0 | $149,600 | $139,000 | $511,000 |
| Year 2 | $170,478 | $158,398 | $537,898 |
| Year 4 | $194,269 | $180,504 | $565,386 |
| Year 6 | $221,380 | $205,694 | $593,322 |
| Year 8 | $252,275 | $234,400 | $621,526 |
| Year 10 | $287,482 | $267,112 | $649,777 |