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North Carolina Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in North Carolina

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3.750% Rate

30 Yr. Fixed

3.874% APR

$1,400 / month (est)

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Updated 10/17/2017

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  • Get a free and no obligation rate quote in North Carolina.
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3.990% Rate

30 Yr. Fixed

4.050% APR

$1,442 / month (est)

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Updated 10/17/2017

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4.375% Rate

30 Yr. Fixed

4.437% APR

$1,510 / month (est)

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Updated 10/17/2017

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.

4.250% Rate

30 Yr. Fixed

4.250% APR

$1,488 / month (est)

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Updated 10/17/2017

  • Easy online application & competitive rates
  • No fees, no catch! No Application, Origination or Lenders Fees.
  • Refinance fast! Typical applications close in 30 days
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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 loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

For North Carolina, 95 counties have conventional loan limits at $417,000 and 5 counties range from $458,850 and $625,500.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alamance $417,000 $533,850 $645,300 $801,950
Alexander $417,000 $533,850 $645,300 $801,950
Alleghany $417,000 $533,850 $645,300 $801,950
Anson $417,000 $533,850 $645,300 $801,950
Ashe $417,000 $533,850 $645,300 $801,950
Avery $417,000 $533,850 $645,300 $801,950
Beaufort $417,000 $533,850 $645,300 $801,950
Bertie $417,000 $533,850 $645,300 $801,950
Bladen $417,000 $533,850 $645,300 $801,950
Brunswick $417,000 $533,850 $645,300 $801,950
Buncombe $417,000 $533,850 $645,300 $801,950
Burke $417,000 $533,850 $645,300 $801,950
Cabarrus $417,000 $533,850 $645,300 $801,950
Caldwell $417,000 $533,850 $645,300 $801,950
Camden $625,500 $800,775 $967,950 $1,202,925
Carteret $417,000 $533,850 $645,300 $801,950
Caswell $417,000 $533,850 $645,300 $801,950
Catawba $417,000 $533,850 $645,300 $801,950
Chatham $417,000 $533,850 $645,300 $801,950
Cherokee $417,000 $533,850 $645,300 $801,950
Chowan $417,000 $533,850 $645,300 $801,950
Clay $417,000 $533,850 $645,300 $801,950
Cleveland $417,000 $533,850 $645,300 $801,950
Columbus $417,000 $533,850 $645,300 $801,950
Craven $417,000 $533,850 $645,300 $801,950
Cumberland $417,000 $533,850 $645,300 $801,950
Currituck $458,850 $587,400 $710,050 $882,400
Dare $417,000 $533,850 $645,300 $801,950
Davidson $417,000 $533,850 $645,300 $801,950
Davie $417,000 $533,850 $645,300 $801,950
Duplin $417,000 $533,850 $645,300 $801,950
Durham $417,000 $533,850 $645,300 $801,950
Edgecombe $417,000 $533,850 $645,300 $801,950
Forsyth $417,000 $533,850 $645,300 $801,950
Franklin $417,000 $533,850 $645,300 $801,950
Gaston $417,000 $533,850 $645,300 $801,950
Gates $417,000 $533,850 $645,300 $801,950
Graham $417,000 $533,850 $645,300 $801,950
Granville $417,000 $533,850 $645,300 $801,950
Greene $417,000 $533,850 $645,300 $801,950
Guilford $417,000 $533,850 $645,300 $801,950
Halifax $417,000 $533,850 $645,300 $801,950
Harnett $417,000 $533,850 $645,300 $801,950
Haywood $417,000 $533,850 $645,300 $801,950
Henderson $417,000 $533,850 $645,300 $801,950
Hertford $417,000 $533,850 $645,300 $801,950
Hoke $417,000 $533,850 $645,300 $801,950
Hyde $483,000 $618,300 $747,400 $928,850
Iredell $417,000 $533,850 $645,300 $801,950
Jackson $417,000 $533,850 $645,300 $801,950
Johnston $417,000 $533,850 $645,300 $801,950
Jones $417,000 $533,850 $645,300 $801,950
Lee $417,000 $533,850 $645,300 $801,950
Lenoir $417,000 $533,850 $645,300 $801,950
Lincoln $417,000 $533,850 $645,300 $801,950
Mcdowell $417,000 $533,850 $645,300 $801,950
Macon $417,000 $533,850 $645,300 $801,950
Madison $417,000 $533,850 $645,300 $801,950
Martin $417,000 $533,850 $645,300 $801,950
Mecklenburg $417,000 $533,850 $645,300 $801,950
Mitchell $417,000 $533,850 $645,300 $801,950
Montgomery $417,000 $533,850 $645,300 $801,950
Moore $417,000 $533,850 $645,300 $801,950
Nash $417,000 $533,850 $645,300 $801,950
New Hanover $417,000 $533,850 $645,300 $801,950
Northampton $417,000 $533,850 $645,300 $801,950
Onslow $417,000 $533,850 $645,300 $801,950
Orange $417,000 $533,850 $645,300 $801,950
Pamlico $417,000 $533,850 $645,300 $801,950
Pasquotank $625,500 $800,775 $967,950 $1,202,925
Pender $417,000 $533,850 $645,300 $801,950
Perquimans $625,500 $800,775 $967,950 $1,202,925
Person $417,000 $533,850 $645,300 $801,950
Pitt $417,000 $533,850 $645,300 $801,950
Polk $417,000 $533,850 $645,300 $801,950
Randolph $417,000 $533,850 $645,300 $801,950
Richmond $417,000 $533,850 $645,300 $801,950
Robeson $417,000 $533,850 $645,300 $801,950
Rockingham $417,000 $533,850 $645,300 $801,950
Rowan $417,000 $533,850 $645,300 $801,950
Rutherford $417,000 $533,850 $645,300 $801,950
Sampson $417,000 $533,850 $645,300 $801,950
Scotland $417,000 $533,850 $645,300 $801,950
Stanly $417,000 $533,850 $645,300 $801,950
Stokes $417,000 $533,850 $645,300 $801,950
Surry $417,000 $533,850 $645,300 $801,950
Swain $417,000 $533,850 $645,300 $801,950
Transylvania $417,000 $533,850 $645,300 $801,950
Tyrrell $417,000 $533,850 $645,300 $801,950
Union $417,000 $533,850 $645,300 $801,950
Vance $417,000 $533,850 $645,300 $801,950
Wake $417,000 $533,850 $645,300 $801,950
Warren $417,000 $533,850 $645,300 $801,950
Washington $417,000 $533,850 $645,300 $801,950
Watauga $417,000 $533,850 $645,300 $801,950
Wayne $417,000 $533,850 $645,300 $801,950
Wilkes $417,000 $533,850 $645,300 $801,950
Wilson $417,000 $533,850 $645,300 $801,950
Yadkin $417,000 $533,850 $645,300 $801,950
Yancey $417,000 $533,850 $645,300 $801,950

Conventional Loans

A conventional loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

For North Carolina, 95 counties have conventional loan limits at $417,000 and 5 counties range from $458,850 and $625,500.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alamance $417,000 $533,850 $645,300 $801,950
Alexander $417,000 $533,850 $645,300 $801,950
Alleghany $417,000 $533,850 $645,300 $801,950
Anson $417,000 $533,850 $645,300 $801,950
Ashe $417,000 $533,850 $645,300 $801,950
Avery $417,000 $533,850 $645,300 $801,950
Beaufort $417,000 $533,850 $645,300 $801,950
Bertie $417,000 $533,850 $645,300 $801,950
Bladen $417,000 $533,850 $645,300 $801,950
Brunswick $417,000 $533,850 $645,300 $801,950
Buncombe $417,000 $533,850 $645,300 $801,950
Burke $417,000 $533,850 $645,300 $801,950
Cabarrus $417,000 $533,850 $645,300 $801,950
Caldwell $417,000 $533,850 $645,300 $801,950
Camden $625,500 $800,775 $967,950 $1,202,925
Carteret $417,000 $533,850 $645,300 $801,950
Caswell $417,000 $533,850 $645,300 $801,950
Catawba $417,000 $533,850 $645,300 $801,950
Chatham $417,000 $533,850 $645,300 $801,950
Cherokee $417,000 $533,850 $645,300 $801,950
Chowan $417,000 $533,850 $645,300 $801,950
Clay $417,000 $533,850 $645,300 $801,950
Cleveland $417,000 $533,850 $645,300 $801,950
Columbus $417,000 $533,850 $645,300 $801,950
Craven $417,000 $533,850 $645,300 $801,950
Cumberland $417,000 $533,850 $645,300 $801,950
Currituck $458,850 $587,400 $710,050 $882,400
Dare $417,000 $533,850 $645,300 $801,950
Davidson $417,000 $533,850 $645,300 $801,950
Davie $417,000 $533,850 $645,300 $801,950
Duplin $417,000 $533,850 $645,300 $801,950
Durham $417,000 $533,850 $645,300 $801,950
Edgecombe $417,000 $533,850 $645,300 $801,950
Forsyth $417,000 $533,850 $645,300 $801,950
Franklin $417,000 $533,850 $645,300 $801,950
Gaston $417,000 $533,850 $645,300 $801,950
Gates $417,000 $533,850 $645,300 $801,950
Graham $417,000 $533,850 $645,300 $801,950
Granville $417,000 $533,850 $645,300 $801,950
Greene $417,000 $533,850 $645,300 $801,950
Guilford $417,000 $533,850 $645,300 $801,950
Halifax $417,000 $533,850 $645,300 $801,950
Harnett $417,000 $533,850 $645,300 $801,950
Haywood $417,000 $533,850 $645,300 $801,950
Henderson $417,000 $533,850 $645,300 $801,950
Hertford $417,000 $533,850 $645,300 $801,950
Hoke $417,000 $533,850 $645,300 $801,950
Hyde $483,000 $618,300 $747,400 $928,850
Iredell $417,000 $533,850 $645,300 $801,950
Jackson $417,000 $533,850 $645,300 $801,950
Johnston $417,000 $533,850 $645,300 $801,950
Jones $417,000 $533,850 $645,300 $801,950
Lee $417,000 $533,850 $645,300 $801,950
Lenoir $417,000 $533,850 $645,300 $801,950
Lincoln $417,000 $533,850 $645,300 $801,950
Mcdowell $417,000 $533,850 $645,300 $801,950
Macon $417,000 $533,850 $645,300 $801,950
Madison $417,000 $533,850 $645,300 $801,950
Martin $417,000 $533,850 $645,300 $801,950
Mecklenburg $417,000 $533,850 $645,300 $801,950
Mitchell $417,000 $533,850 $645,300 $801,950
Montgomery $417,000 $533,850 $645,300 $801,950
Moore $417,000 $533,850 $645,300 $801,950
Nash $417,000 $533,850 $645,300 $801,950
New Hanover $417,000 $533,850 $645,300 $801,950
Northampton $417,000 $533,850 $645,300 $801,950
Onslow $417,000 $533,850 $645,300 $801,950
Orange $417,000 $533,850 $645,300 $801,950
Pamlico $417,000 $533,850 $645,300 $801,950
Pasquotank $625,500 $800,775 $967,950 $1,202,925
Pender $417,000 $533,850 $645,300 $801,950
Perquimans $625,500 $800,775 $967,950 $1,202,925
Person $417,000 $533,850 $645,300 $801,950
Pitt $417,000 $533,850 $645,300 $801,950
Polk $417,000 $533,850 $645,300 $801,950
Randolph $417,000 $533,850 $645,300 $801,950
Richmond $417,000 $533,850 $645,300 $801,950
Robeson $417,000 $533,850 $645,300 $801,950
Rockingham $417,000 $533,850 $645,300 $801,950
Rowan $417,000 $533,850 $645,300 $801,950
Rutherford $417,000 $533,850 $645,300 $801,950
Sampson $417,000 $533,850 $645,300 $801,950
Scotland $417,000 $533,850 $645,300 $801,950
Stanly $417,000 $533,850 $645,300 $801,950
Stokes $417,000 $533,850 $645,300 $801,950
Surry $417,000 $533,850 $645,300 $801,950
Swain $417,000 $533,850 $645,300 $801,950
Transylvania $417,000 $533,850 $645,300 $801,950
Tyrrell $417,000 $533,850 $645,300 $801,950
Union $417,000 $533,850 $645,300 $801,950
Vance $417,000 $533,850 $645,300 $801,950
Wake $417,000 $533,850 $645,300 $801,950
Warren $417,000 $533,850 $645,300 $801,950
Washington $417,000 $533,850 $645,300 $801,950
Watauga $417,000 $533,850 $645,300 $801,950
Wayne $417,000 $533,850 $645,300 $801,950
Wilkes $417,000 $533,850 $645,300 $801,950
Wilson $417,000 $533,850 $645,300 $801,950
Yadkin $417,000 $533,850 $645,300 $801,950
Yancey $417,000 $533,850 $645,300 $801,950

Calculate your payments for North Carolina properties with our mortgage calculator.