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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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3.990% Rate

FHA 30 Yr.

4.157% APR

$715 / month (est)

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Updated 3/15/2019

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4.375% Rate

FHA 30 Yr.

5.069% APR

$863 / month (est)

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Updated 3/20/2019

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Homeowners: Low HARP Rates are Still in Effect!
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HARP 2.0 Home Refinance
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HARP Expired, But You May Qualify For An Even Better Program
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North Carolina Mortgages

2019 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.

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 2019 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