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It's a question almost everyone is asking: "Should I refinance my mortgage?" If so, what's the best way to pay for my mortgage refinance

It's a question almost everyone is asking: "Should I refinance my mortgage?" If so, what's the best way to pay for my mortgage refinance

Mortgage Rates in North Carolina | Refinance Rates | HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $200000 Refinance loan.
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North Carolina Mortgages

Looking to buy a home in North Carolina, or perhaps refinance or take out a home equity loan?

Whatever your mortgage needs, you'll find HSH.com a comprehensive source of current NC mortgage rates, local lenders, calculators, and other information. This can help you:

  • Buy property in North Carolina. Whether your dream home is a condo in Chapel Hill or a cabin in the Blue Ridge Mountains, comparing lenders will help you find the best North Carolina mortgage rates.
  • Use your home equity. Upgrading, updating, or expanding your home with a home equity loan can make your property more enjoyable and add to its value.
  • Refinance. Use mortgage calculators to see what today's NC mortgage rates could do for your payments.

North Carolina Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2020 Conventional loan limits for North Carolina

County Name One Family Two Family Three Family Four Family
Alamance County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Alexander County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Alleghany County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Anson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Ashe County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Avery County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Beaufort County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Bertie County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Bladen County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Brunswick County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Buncombe County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Burke County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cabarrus County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Caldwell County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Camden County One Family$625,500 Two Family$800,775 Three Family$967,950 Four Family$1,202,925
Carteret County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Caswell County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Catawba County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Chatham County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cherokee County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Chowan County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Clay County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cleveland County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Columbus County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Craven County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cumberland County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Currituck County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Dare County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Davidson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Davie County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Duplin County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Durham County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Edgecombe County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Forsyth County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Franklin County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Gaston County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Gates County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Graham County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Granville County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Greene County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Guilford County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Halifax County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Harnett County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Haywood County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Henderson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Hertford County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Hoke County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Hyde County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Iredell County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Jackson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Johnston County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Jones County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Lee County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Lenoir County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Lincoln County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Macon County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Madison County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Martin County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Mcdowell County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Mecklenburg County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Mitchell County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Montgomery County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Moore County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Nash County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
New Hanover County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Northampton County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Onslow County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Orange County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Pamlico County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Pasquotank County One Family$625,500 Two Family$800,775 Three Family$967,950 Four Family$1,202,925
Pender County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Perquimans County One Family$625,500 Two Family$800,775 Three Family$967,950 Four Family$1,202,925
Person County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Pitt County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Polk County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Randolph County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Richmond County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Robeson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Rockingham County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Rowan County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Rutherford County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Sampson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Scotland County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Stanly County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Stokes County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Surry County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Swain County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Transylvania County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Tyrrell County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Union County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Vance County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Wake County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Warren County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Washington County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Watauga County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Wayne County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Wilkes County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Wilson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Yadkin County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Yancey County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
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