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Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

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

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Displaying Today's Mortgage Rates for a $320,000 Refinance loan.
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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.

2023 Conforming loan limits for North Carolina

Select County
County Name One Family Two Family Three Family Four Family
Alamance County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Alexander County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Alleghany County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Anson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Ashe County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Avery County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Beaufort County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bertie County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bladen County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Brunswick County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Buncombe County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Burke County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Cabarrus County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Caldwell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Camden County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Carteret County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Caswell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Catawba County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Chatham County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Cherokee County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Chowan County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Clay County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Cleveland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Columbus County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Craven County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Cumberland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Currituck County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Dare County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Davidson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Davie County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Duplin County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Durham County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Edgecombe County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Forsyth County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Franklin County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Gaston County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Gates County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Graham County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Granville County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Greene County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Guilford County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Halifax County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Harnett County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Haywood County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Henderson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hertford County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hoke County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hyde County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Iredell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Jackson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Johnston County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Jones County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lee County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lenoir County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lincoln County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Macon County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Madison County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Martin County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Mcdowell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Mecklenburg County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Mitchell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Montgomery County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Moore County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Nash County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
New Hanover County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Northampton County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Onslow County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Orange County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Pamlico County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Pasquotank County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Pender County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Perquimans County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Person County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Pitt County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Polk County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Randolph County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Richmond County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Robeson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Rockingham County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Rowan County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Rutherford County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Sampson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Scotland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Stanly County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Stokes County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Surry County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Swain County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Transylvania County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Tyrrell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Union County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Vance County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Wake County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Warren County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Washington County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Watauga County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Wayne County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Wilkes County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Wilson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Yadkin County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Yancey County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
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