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

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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.

2022 Conforming loan limits for North Carolina

County Name One Family Two Family Three Family Four Family
Alamance County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Alexander County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Alleghany County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Anson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Ashe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Avery County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Beaufort County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bertie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bladen County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Brunswick County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Buncombe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Burke County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cabarrus County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Caldwell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Camden County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Carteret County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Caswell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Catawba County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chatham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cherokee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chowan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clay County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cleveland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Columbus County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Craven County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cumberland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Currituck County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dare County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Davidson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Davie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Duplin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Durham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Edgecombe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Forsyth County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Franklin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gaston County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gates County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Graham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Granville County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Greene County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Guilford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Halifax County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Harnett County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Haywood County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Henderson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hertford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hoke County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hyde County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Iredell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jackson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Johnston County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Jones County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lenoir County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lincoln County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Macon County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Madison County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Martin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mcdowell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mecklenburg County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mitchell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Montgomery County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Moore County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Nash County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
New Hanover County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Northampton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Onslow County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Orange County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pamlico County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pasquotank County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pender County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Perquimans County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Person County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pitt County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Polk County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Randolph County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Richmond County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Robeson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Rockingham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Rowan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Rutherford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Sampson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Scotland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Stanly County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Stokes County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Surry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Swain County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Transylvania County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tyrrell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Union County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Vance County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wake County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Warren County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Washington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Watauga County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wayne County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wilkes County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wilson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Yadkin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Yancey County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
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