Double Close Funding in New Hampshire | Swift Deal Funding
Double close funding in New Hampshire
Double close funding lets a New Hampshire wholesaler buy from the seller (A→B) and resell to the end buyer (B→C) on the same day through one closing attorney, without putting your own capital into the middle leg. As a direct lender, Swift Deal Funding wires the cash for your A-to-B purchase and is repaid from the end buyer’s proceeds on the B-to-C close.
New Hampshire is a smaller, tight-inventory market, with most wholesale activity concentrated in the south — Manchester, Nashua, Salem, and Derry — inside the Boston commuter belt, where demand and prices are strongest. Concord and the Seacoast around Portsmouth add steady flow. The state’s roughly 1.4 million residents and competitive listings make verified end buyers important. Funded amounts typically run $60,000–$200,000.
How a double close closes in New Hampshire
Two state facts shape the mechanics. New Hampshire is an attorney-closing state, so a licensed closing attorney conducts both legs — we require the same attorney on the A-to-B and B-to-C transactions. It is also a wet-funding state, which is the timing advantage: the attorney can disburse on the A leg as soon as documents are signed and funds are in trust, without waiting for recording.
New Hampshire has no wholesaler-licensing statute, so disclose your equitable interest as standard practice. Note that the state’s Real Estate Transfer Tax applies to each transfer, so a double close incurs it twice — your attorney calculates it on the settlement statement. Confirm the disbursement and recording sequence with your New Hampshire closing attorney before scheduling.
Pricing
Tiered flat fee on the funded amount, collected on the closing statement — nothing upfront:
| Funded amount | Fee |
|---|---|
| Up to $1,000,000 | 1.25% |
| $1M – $10M | 1.0% |
| $10M+ | Custom |
You pay only if the deal funds and closes.
What you’ll need
- Executed A-to-B purchase contract
- Executed B-to-C assignment or purchase contract
- A verified end buyer with proof of funds or financing pre-approval
- A same-day closing scheduled on both legs
- A single New Hampshire closing attorney handling both transactions
New Hampshire note: line up a closing attorney experienced with same-day back-to-back closes, and budget transfer tax on both legs. No credit, income, or tax returns.
A typical New Hampshire double close scenario
A wholesaler ties up a Manchester multifamily at $240,000 (A→B) with a verified investor buyer under contract at $275,000 (B→C). We wire $240,000 to the closing attorney by 9 AM. Because New Hampshire is wet-funding, the attorney disburses the A leg immediately, closes the B leg the same day, and repays us from the buyer’s $275,000. On a ≤$1M deal the fee is 1.25% of $240,000 — $3,000 — and the wholesaler keeps the spread after costs and transfer tax.
Apply
Submit both contracts and your end-buyer verification online; standard turnaround is about 48 hours to wire-ready, or same-day for complete files in before 11 AM Eastern.
Frequently Asked Questions
Does a New Hampshire double close go through an attorney? +
Yes. New Hampshire is an attorney-closing state, so a licensed closing attorney conducts the settlement rather than a standalone title company. For an A→B→C double close we require the same closing attorney to handle both legs on the same day. The upside is that an experienced New Hampshire real estate attorney is well-equipped to manage a back-to-back close cleanly. Confirm your closing attorney is comfortable running both transactions in one sitting before scheduling.
Is New Hampshire's wet-funding rule good for same-day closes? +
It is. New Hampshire is a wet-funding state, so the closing attorney can disburse on your A-to-B leg as soon as documents are signed and funds are in the trust account — there is no wait for the deed to record first. Combined with attorney-conducted closings, that lets the A→B→C sequence move through in a single day. We wire to the closing attorney by 9 AM Eastern; confirm the disbursement sequence with that attorney.
Do I owe New Hampshire taxes on a double close? +
New Hampshire has no general sales tax and no broad income tax, so neither applies to the transaction itself. The state does impose a Real Estate Transfer Tax that is typically split between buyer and seller — and a double close has two transfers, so budget for it on both legs. Your closing attorney will calculate the transfer tax on the settlement statement. Confirm the figures with your New Hampshire attorney; our fee is separate and collected at close.
Apply for Double Close Funding in New Hampshire
Submit your application online — same-day decisions for complete files before 2 PM Eastern.