New Hampshire Escrow & Title
Practice Questions & Answers (2026)
Escrow, title, and closing questions on the New Hampshire exam test how real estate transactions are closed, how title is transferred, and what happens at settlement. New Hampshire requires a licensed attorney to conduct real estate closings — unlike escrow states — which shapes how these questions are framed on the NH exam. Title insurance, title searches, and the difference between standard and extended coverage policies are tested, as are the specific closing costs that are customarily paid by buyers vs. sellers under New Hampshire practice.
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New Hampshire Escrow & Title — Practice Questions & Answers
122 questions on Escrow & Title from the New Hampshire real estate question bank. First 10 are free — sign up to unlock all 122.
Q1. In New Hampshire, a quitclaim deed:
Explanation
A quitclaim deed conveys whatever interest the grantor has in the property without any warranties. It is often used between family members or to clear title clouds, since it offers no guarantee of clear title.
Q2. The chain of title refers to:
Explanation
The chain of title is the historical sequence of recorded transfers of ownership for a property. A clear, unbroken chain demonstrates that the current owner has good title.
Q3. In New Hampshire, who typically conducts the real estate closing?
Explanation
New Hampshire is an attorney-state for real estate closings. Attorneys or title companies typically handle the closing, reviewing documents and ensuring that title transfers properly.
Q4. Priority of liens on a property is generally determined by:
Explanation
Lien priority is typically determined by the order of recording — 'first in time, first in right.' Exceptions include property tax liens, which often have super-priority regardless of recording date.
Q5. In New Hampshire, a warranty deed (general warranty deed) provides buyers with:
Explanation
A general warranty deed provides the most comprehensive title protection — the grantor warrants title against all defects and encumbrances, regardless of when they arose in the chain of title.
Q6. A special warranty deed differs from a general warranty deed in that:
Explanation
A special warranty deed limits the grantor's warranty to the period of their own ownership — they do not warrant against defects that may have arisen before they took title.
Q7. Title insurance in New Hampshire is issued to protect against:
Explanation
Title insurance protects the insured against financial losses arising from title defects, liens, or encumbrances that existed but were not discovered during the title search prior to closing.
Q8. What is the purpose of recording a deed in the New Hampshire county registry of deeds?
Explanation
Recording a deed provides constructive notice to third parties of the ownership transfer. The deed is legally valid between the parties when delivered and accepted — recording protects against subsequent claims.
Q9. An 'abstract of title' in New Hampshire is:
Explanation
An abstract of title is a historical summary of all recorded instruments (deeds, mortgages, liens, court judgments) affecting the title to a property, used by an attorney to render a title opinion.
Q10. A lis pendens recorded against a New Hampshire property provides notice that:
Explanation
A lis pendens ('suit pending') is a recorded notice that a legal action has been filed which may affect the title to the property. It warns potential buyers and lenders that the title is in dispute.
Q11. In New Hampshire, earnest money deposited with a broker must be:
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