Stack Funding in New Hampshire | Swift Deal Funding
Stack (Morby Method) funding in New Hampshire
Stack funding covers the cash a New Hampshire closing table needs when a seller carry-back note is supplying the buyer’s down payment but the closing attorney still requires real money in trust to close. Swift Deal Funding provides that cash; a recorded second-position note then repays our funds plus a flat 2.5%, usually the same day. It is the financing piece that lets creative seller-finance and subject-to deals close.
New Hampshire’s market suits this in spots. Southern New Hampshire’s high prices — Manchester, Nashua, Salem, Derry, inside the Boston belt — mean some equity-rich, motivated sellers prefer carrying a note to a full payout, and the Lakes Region and Seacoast add owner-finance opportunities. With roughly 1.4 million residents and tight inventory, creative structures can win deals cash offers cannot. Funded amounts here typically run $15,000–$50,000.
How a Stack deal closes in New Hampshire
New Hampshire is an attorney-closing, wet-funding state, so a licensed closing attorney conducts settlement: once documents are signed and funds are in trust, the attorney disburses to the seller and records the seller-carry note in second position at the Registry of Deeds — no separate dry-funding delay. Our funds are repaid from that recorded note, typically same-day.
New Hampshire has no wholesaler-licensing statute, so disclose your interest as standard practice and document the seller-financing terms cleanly. Get written confirmation from your closing attorney that the second note will be recorded as agreed, and confirm the order of operations with that attorney. The Real Estate Transfer Tax applies at closing.
Pricing
Flat 2.5% of the funded amount, nothing upfront:
| Funded amount | Fee |
|---|---|
| $40,000 | $1,000 |
| $100,000 | $2,500 |
| Up to $10,000,000 | 2.5% flat |
What you’ll need
- Executed purchase contract with seller-financing terms
- A carry-back amount that covers the required down payment plus closing costs
- A New Hampshire closing attorney ready to record the second-position note right after closing
- Written confirmation that the note will be recorded as agreed
No credit check, no income verification, no tax returns.
A typical New Hampshire Stack scenario
An investor structures a subject-to purchase of a Concord single-family at $310,000, with the seller carrying back enough to cover the $62,000 down payment but the attorney needing cash in trust to close. We fund $62,000 at the table. The closing attorney disburses, records the seller-carry note in second position, and repays us $62,000 plus the 2.5% fee ($1,550) from that note — same day. The investor controls the property with minimal cash in.
Apply
Submit your purchase contract and seller-financing terms online; we coordinate the carry-back recording with your closing attorney.
Frequently Asked Questions
Who records the second-position note in a New Hampshire Stack deal? +
Your closing attorney does. New Hampshire is an attorney-closing, wet-funding state, so the attorney conducts the settlement, disburses to the seller, and records the seller-carry note in second position at the Registry of Deeds — without a separate dry-funding wait. We require written confirmation from the closing attorney that the second note will be recorded as agreed before we fund, and our repayment plus the flat 2.5% comes from that recorded note, typically same day.
When is Stack the right tool for a New Hampshire investor? +
Use Stack when a New Hampshire seller agrees to carry back financing that covers the buyer's down payment but the closing attorney still needs real cash in the trust account to close. We supply that cash, repaid by a recorded second note plus a flat 2.5%. It is common on subject-to and owner-finance deals with equity-rich sellers — including longtime owners in southern New Hampshire who would rather carry a note than take a full cash payout in a high-price market.
What does Stack funding cost in New Hampshire? +
A flat 2.5% of the funded amount, nothing upfront, collected on the settlement statement. A $40,000 Stack costs $1,000; a $100,000 Stack costs $2,500. New Hampshire has no sales or broad income tax, though the Real Estate Transfer Tax applies at closing. We do not check credit, income, or tax returns. The purchase contract with seller-financing terms and a carry-back covering the down payment plus costs underwrite the deal.
Apply for Stack Funding in New Hampshire
Submit your application online — same-day decisions for complete files before 2 PM Eastern.