dcsimg
We research, you save.
Got Questions On Rates? (855) 610-2972

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

  • Compare up to 5 Offers, Against a Network of 1000s of Lenders
  • 3.75% APR
  • Fixed Rate 15yr
rates.ratezip.com
  • No Appraisal, No MAX LTV, 3.5 APR
  • Low FIXED HARP Rate, Get a Quote
  • Fannie Mae and Freddie Mac OK
mortgage-rates.freerateupdate.com

Refine Your Search

Get Custom Quotes
[X]

FHA Mortgage Refinance rates in North Carolina

Ad Disclosure

4.625% Rate

FHA 30 Yr.

5.325% APR

$885 / month (est)

Learn More

Updated 1/21/2019

National LenderFHA Approved LenderVA Approved LenderMember of BBBLow Fees
  • Historically Low Interest Rates - $100 Billion Funded
  • Cash-Out and Debt Consolidation Options
  • No Lender Closing Cost Options Available

4.625% Rate

FHA 30 Yr.

5.420% APR

$885 / month (est)

Learn More

Updated 1/21/2019

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • We close our loans FAST - many in 30 days or less!
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.
Ad Disclosure
North Carolina Interest Rates as low as 4% (4.708APR)
  • Compare loan offers for free and in just minutes.
  • No SSN required to get started.
  • Do you have the lowest rate possible? Find out instantly!
  • No obligations, ever.
  • "A+" rating with the Better Business Bureau.
  • A variety of loan products including mortgage, refi, cash out, etc.
Learn More
Mortgage Program For Costco Members
  • The Mortgage Program for Costco Members
  • Eases the burden of home financing
  • Compare Rates From up to 4 Lenders
Learn More
HARP 2.0 Refinance Loan 2.9% FIXED
  • No Appraisal, No MAX LTV, 3.5 APR
  • View Instant Rates & Payments
  • BBB A+, No Login, No SSN.
  • Verify Eligibility
  • Home Equity & Cash Out Options
Learn More
HARP Expired, But You May Qualify For An Even Better Program
  • HARP Saved You $4,264 Each Year - This Program May Save You More
  • Lower Your Interest Rate!
  • See if You Qualify in 2 Minutes
Learn More
Find out if you are pre-approved for a mortgage
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
Learn More
 

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$314,827$403,125$487,250$605,525
Alexander$314,827$403,125$487,250$605,525
Alleghany$314,827$403,125$487,250$605,525
Anson$314,827$403,125$487,250$605,525
Ashe$314,827$403,125$487,250$605,525
Avery$314,827$403,125$487,250$605,525
Beaufort$314,827$403,125$487,250$605,525
Bertie$314,827$403,125$487,250$605,525
Bladen$314,827$403,125$487,250$605,525
Brunswick$314,827$403,125$487,250$605,525
Buncombe$314,827$403,125$487,250$605,525
Burke$314,827$403,125$487,250$605,525
Cabarrus$317,400$406,300$491,150$610,400
Caldwell$314,827$403,125$487,250$605,525
Camden$726,525$930,300$1,124,475$1,397,400
Carteret$314,827$403,125$487,250$605,525
Caswell$314,827$403,125$487,250$605,525
Catawba$314,827$403,125$487,250$605,525
Chatham$403,650$516,750$624,600$776,250
Cherokee$314,827$403,125$487,250$605,525
Chowan$314,827$403,125$487,250$605,525
Clay$314,827$403,125$487,250$605,525
Cleveland$314,827$403,125$487,250$605,525
Columbus$314,827$403,125$487,250$605,525
Craven$314,827$403,125$487,250$605,525
Cumberland$314,827$403,125$487,250$605,525
Currituck$458,850$587,400$710,050$882,400
Dare$391,000$500,550$605,050$751,900
Davidson$314,827$403,125$487,250$605,525
Davie$314,827$403,125$487,250$605,525
Duplin$314,827$403,125$487,250$605,525
Durham$403,650$516,750$624,600$776,250
Edgecombe$314,827$403,125$487,250$605,525
Forsyth$314,827$403,125$487,250$605,525
Franklin$339,250$434,300$524,950$652,400
Gaston$317,400$406,300$491,150$610,400
Gates$458,850$587,400$710,050$882,400
Graham$314,827$403,125$487,250$605,525
Granville$314,827$403,125$487,250$605,525
Greene$314,827$403,125$487,250$605,525
Guilford$314,827$403,125$487,250$605,525
Halifax$314,827$403,125$487,250$605,525
Harnett$314,827$403,125$487,250$605,525
Haywood$314,827$403,125$487,250$605,525
Henderson$314,827$403,125$487,250$605,525
Hertford$314,827$403,125$487,250$605,525
Hoke$314,827$403,125$487,250$605,525
Hyde$483,000$618,300$747,400$928,850
Iredell$317,400$406,300$491,150$610,400
Jackson$314,827$403,125$487,250$605,525
Johnston$339,250$434,300$524,950$652,400
Jones$314,827$403,125$487,250$605,525
Lee$314,827$403,125$487,250$605,525
Lenoir$314,827$403,125$487,250$605,525
Lincoln$317,400$406,300$491,150$610,400
Macon$314,827$403,125$487,250$605,525
Madison$314,827$403,125$487,250$605,525
Martin$314,827$403,125$487,250$605,525
Mcdowell$314,827$403,125$487,250$605,525
Mecklenburg$317,400$406,300$491,150$610,400
Mitchell$314,827$403,125$487,250$605,525
Montgomery$314,827$403,125$487,250$605,525
Moore$314,827$403,125$487,250$605,525
Nash$314,827$403,125$487,250$605,525
New Hanover$314,827$403,125$487,250$605,525
Northampton$314,827$403,125$487,250$605,525
Onslow$314,827$403,125$487,250$605,525
Orange$403,650$516,750$624,600$776,250
Pamlico$314,827$403,125$487,250$605,525
Pasquotank$726,525$930,300$1,124,475$1,397,400
Pender$314,827$403,125$487,250$605,525
Perquimans$726,525$930,300$1,124,475$1,397,400
Person$403,650$516,750$624,600$776,250
Pitt$314,827$403,125$487,250$605,525
Polk$314,827$403,125$487,250$605,525
Randolph$314,827$403,125$487,250$605,525
Richmond$314,827$403,125$487,250$605,525
Robeson$314,827$403,125$487,250$605,525
Rockingham$314,827$403,125$487,250$605,525
Rowan$317,400$406,300$491,150$610,400
Rutherford$314,827$403,125$487,250$605,525
Sampson$314,827$403,125$487,250$605,525
Scotland$314,827$403,125$487,250$605,525
Stanly$314,827$403,125$487,250$605,525
Stokes$314,827$403,125$487,250$605,525
Surry$314,827$403,125$487,250$605,525
Swain$314,827$403,125$487,250$605,525
Transylvania$314,827$403,125$487,250$605,525
Tyrrell$391,000$500,550$605,050$751,900
Union$317,400$406,300$491,150$610,400
Vance$314,827$403,125$487,250$605,525
Wake$339,250$434,300$524,950$652,400
Warren$314,827$403,125$487,250$605,525
Washington$314,827$403,125$487,250$605,525
Watauga$314,827$403,125$487,250$605,525
Wayne$314,827$403,125$487,250$605,525
Wilkes$314,827$403,125$487,250$605,525
Wilson$314,827$403,125$487,250$605,525
Yadkin$314,827$403,125$487,250$605,525
Yancey$314,827$403,125$487,250$605,525