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Current FHA Mortgage Rates in North Carolina : HSH.com's FHA/VA Showcase

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FHA Mortgage Refinance rates in North Carolina

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4.875% Rate

FHA 30 Yr.

4.955% APR

$794 / month (est)

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Updated 11/20/2018

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3.500% Rate

FHA 30 Yr.

3.742% APR

$674 / month (est)

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Updated 11/16/2018

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5.125% Rate

FHA 30 Yr.

5.836% APR

$932 / month (est)

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Updated 11/20/2018

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4.990% Rate

FHA 30 Yr.

5.795% APR

$919 / month (est)

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Updated 11/20/2018

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HARP 2.0 Refinance Loan 3.3% FIXED
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North Carolina Interest Rates as low as 4% (4.708APR)
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North Carolina Mortgages

2018 FHA Loan Limits for North Carolina

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For North Carolina, 85 counties have an FHA loan limit of $294,515 and the remaining 16 counties range from $318,550 to $679,650.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2018 FHA loan limits for each county in North Carolina are below.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alamance$294,515$377,075$455,800$566,425
Alexander$294,515$377,075$455,800$566,425
Alleghany$294,515$377,075$455,800$566,425
Anson$294,515$377,075$455,800$566,425
Ashe$294,515$377,075$455,800$566,425
Avery$294,515$377,075$455,800$566,425
Beaufort$294,515$377,075$455,800$566,425
Bertie$294,515$377,075$455,800$566,425
Bladen$294,515$377,075$455,800$566,425
Brunswick$294,515$377,075$455,800$566,425
Buncombe$294,515$377,075$455,800$566,425
Burke$294,515$377,075$455,800$566,425
Cabarrus$294,515$377,075$455,800$566,425
Caldwell$294,515$377,075$455,800$566,425
Camden$679,650$870,225$1,051,875$1,307,175
Carteret$294,515$377,075$455,800$566,425
Caswell$294,515$377,075$455,800$566,425
Catawba$294,515$377,075$455,800$566,425
Chatham$379,500$485,800$587,250$729,800
Cherokee$294,515$377,075$455,800$566,425
Chowan$294,515$377,075$455,800$566,425
Clay$294,515$377,075$455,800$566,425
Cleveland$294,515$377,075$455,800$566,425
Columbus$294,515$377,075$455,800$566,425
Craven$294,515$377,075$455,800$566,425
Cumberland$294,515$377,075$455,800$566,425
Currituck$458,850$587,400$710,050$882,400
Dare$391,000$500,550$605,050$751,900
Davidson$294,515$377,075$455,800$566,425
Davie$294,515$377,075$455,800$566,425
Duplin$294,515$377,075$455,800$566,425
Durham$379,500$485,800$587,250$729,800
Edgecombe$294,515$377,075$455,800$566,425
Forsyth$294,515$377,075$455,800$566,425
Franklin$318,550$407,800$492,950$612,600
Gaston$294,515$377,075$455,800$566,425
Gates$458,850$587,400$710,050$882,400
Graham$294,515$377,075$455,800$566,425
Granville$294,515$377,075$455,800$566,425
Greene$294,515$377,075$455,800$566,425
Guilford$294,515$377,075$455,800$566,425
Halifax$294,515$377,075$455,800$566,425
Harnett$294,515$377,075$455,800$566,425
Haywood$294,515$377,075$455,800$566,425
Henderson$294,515$377,075$455,800$566,425
Hertford$294,515$377,075$455,800$566,425
Hoke$294,515$377,075$455,800$566,425
Hyde$483,000$618,300$747,400$928,850
Iredell$294,515$377,075$455,800$566,425
Jackson$294,515$377,075$455,800$566,425
Johnston$318,550$407,800$492,950$612,600
Jones$294,515$377,075$455,800$566,425
Lee$294,515$377,075$455,800$566,425
Lenoir$294,515$377,075$455,800$566,425
Lincoln$294,515$377,075$455,800$566,425
Macon$294,515$377,075$455,800$566,425
Madison$294,515$377,075$455,800$566,425
Martin$294,515$377,075$455,800$566,425
Mcdowell$294,515$377,075$455,800$566,425
Mecklenburg$294,515$377,075$455,800$566,425
Mitchell$294,515$377,075$455,800$566,425
Montgomery$294,515$377,075$455,800$566,425
Moore$294,515$377,075$455,800$566,425
Nash$294,515$377,075$455,800$566,425
New Hanover$294,515$377,075$455,800$566,425
Northampton$294,515$377,075$455,800$566,425
Onslow$294,515$377,075$455,800$566,425
Orange$379,500$485,800$587,250$729,800
Pamlico$294,515$377,075$455,800$566,425
Pasquotank$679,650$870,225$1,051,875$1,307,175
Pender$294,515$377,075$455,800$566,425
Perquimans$679,650$870,225$1,051,875$1,307,175
Person$379,500$485,800$587,250$729,800
Pitt$294,515$377,075$455,800$566,425
Polk$294,515$377,075$455,800$566,425
Randolph$294,515$377,075$455,800$566,425
Richmond$294,515$377,075$455,800$566,425
Robeson$294,515$377,075$455,800$566,425
Rockingham$294,515$377,075$455,800$566,425
Rowan$294,515$377,075$455,800$566,425
Rutherford$294,515$377,075$455,800$566,425
Sampson$294,515$377,075$455,800$566,425
Scotland$294,515$377,075$455,800$566,425
Stanly$294,515$377,075$455,800$566,425
Stokes$294,515$377,075$455,800$566,425
Surry$294,515$377,075$455,800$566,425
Swain$294,515$377,075$455,800$566,425
Transylvania$294,515$377,075$455,800$566,425
Tyrrell$391,000$500,550$605,050$751,900
Union$294,515$377,075$455,800$566,425
Vance$294,515$377,075$455,800$566,425
Wake$318,550$407,800$492,950$612,600
Warren$294,515$377,075$455,800$566,425
Washington$294,515$377,075$455,800$566,425
Watauga$294,515$377,075$455,800$566,425
Wayne$294,515$377,075$455,800$566,425
Wilkes$294,515$377,075$455,800$566,425
Wilson$294,515$377,075$455,800$566,425
Yadkin$294,515$377,075$455,800$566,425
Yancey$294,515$377,075$455,800$566,425