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New: See HSH.com's Annual Outlook -Our 2020 forecast for mortgage rates, housing and more.

New: See HSH.com's Annual Outlook -Our 2020 forecast for mortgage rates, housing and more.

North Carolina Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $200000 Refinance loan in VA.
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30 year fixed mortgage rates today from 3.500%

Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.566%
APR
Rate as low as
3.500%
Rate
$ 899
Monthly Payment
Show Details
Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.925%
APR
Rate as low as
4.875%
Rate
$ 1,059
Monthly Payment
Show Details
Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.666%
APR
Rate as low as
3.625%
Rate
$ 913
Monthly Payment
Show Details
Updated: 1/17/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.721%
APR
Rate as low as
3.500%
Rate
$ 898
Monthly Payment
Show Details
Updated: 1/21/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.123%
APR
Rate as low as
3.750%
Rate
$ 926
Monthly Payment
Show Details

15 year fixed mortgage rates today from 3.000%

Updated: 1/21/2020
15 Yr. Fixed
15 Yr. Fixed
Rate as low as
3.243%
APR
Rate as low as
3.125%
Rate
$ 1,394
Monthly Payment
Show Details
Updated: 1/21/2020
15 Yr. Fixed
15 Yr. Fixed
Rate as low as
4.075%
APR
Rate as low as
3.990%
Rate
$ 1,479
Monthly Payment
Show Details
Updated: 1/21/2020
15 Yr. Fixed
15 Yr. Fixed
Rate as low as
3.072%
APR
Rate as low as
3.000%
Rate
$ 1,382
Monthly Payment
Show Details
Updated: 1/17/2020
15 Yr. Fixed
15 Yr. Fixed
Rate as low as
3.379%
APR
Rate as low as
3.125%
Rate
$ 1,393
Monthly Payment
Show Details
Updated: 1/21/2020
15 Yr. Fixed
15 Yr. Fixed
Rate as low as
3.910%
APR
Rate as low as
3.250%
Rate
$ 1,405
Monthly Payment
Show Details

3/1 year ARM mortgage rates today from 4.250%

Updated: 1/17/2020
3/1 Yr. ARM
3/1 Yr. ARM
Rate as low as
5.156%
APR
Rate as low as
4.250%
Rate
$ 984
Monthly Payment
Show Details

20 year fixed mortgage rates today from 3.375%

Updated: 1/21/2020
20 Yr. Fixed
20 Yr. Fixed
Rate as low as
3.718%
APR
Rate as low as
3.625%
Rate
$ 1,173
Monthly Payment
Show Details
Updated: 1/21/2020
20 Yr. Fixed
20 Yr. Fixed
Rate as low as
4.317%
APR
Rate as low as
4.250%
Rate
$ 1,239
Monthly Payment
Show Details
Updated: 1/21/2020
20 Yr. Fixed
20 Yr. Fixed
Rate as low as
3.431%
APR
Rate as low as
3.375%
Rate
$ 1,148
Monthly Payment
Show Details
Updated: 1/17/2020
20 Yr. Fixed
20 Yr. Fixed
Rate as low as
3.810%
APR
Rate as low as
3.500%
Rate
$ 1,160
Monthly Payment
Show Details
Updated: 1/21/2020
20 Yr. Fixed
20 Yr. Fixed
Rate as low as
4.015%
APR
Rate as low as
3.500%
Rate
$ 1,160
Monthly Payment
Show Details

10 year fixed mortgage rates today from 2.875%

Updated: 1/21/2020
10 Yr. Fixed
10 Yr. Fixed
Rate as low as
3.171%
APR
Rate as low as
3.000%
Rate
$ 1,932
Monthly Payment
Show Details
Updated: 1/21/2020
10 Yr. Fixed
10 Yr. Fixed
Rate as low as
3.998%
APR
Rate as low as
3.875%
Rate
$ 2,014
Monthly Payment
Show Details
Updated: 1/21/2020
10 Yr. Fixed
10 Yr. Fixed
Rate as low as
3.105%
APR
Rate as low as
3.000%
Rate
$ 1,932
Monthly Payment
Show Details
Updated: 1/17/2020
10 Yr. Fixed
10 Yr. Fixed
Rate as low as
3.449%
APR
Rate as low as
2.875%
Rate
$ 1,920
Monthly Payment
Show Details
Updated: 1/21/2020
10 Yr. Fixed
10 Yr. Fixed
Rate as low as
4.081%
APR
Rate as low as
3.125%
Rate
$ 1,943
Monthly Payment
Show Details

5/1 year ARM mortgage rates today from 3.375%

Updated: 1/21/2020
5/1 Yr. ARM
5/1 Yr. ARM
Rate as low as
4.378%
APR
Rate as low as
4.625%
Rate
$ 1,029
Monthly Payment
Show Details
Updated: 1/17/2020
5/1 Yr. ARM
5/1 Yr. ARM
Rate as low as
4.716%
APR
Rate as low as
3.375%
Rate
$ 884
Monthly Payment
Show Details

7/1 year ARM mortgage rates today from 4.250%

Updated: 1/21/2020
7/1 Yr. ARM
7/1 Yr. ARM
Rate as low as
4.310%
APR
Rate as low as
4.375%
Rate
$ 999
Monthly Payment
Show Details
Updated: 1/17/2020
7/1 Yr. ARM
7/1 Yr. ARM
Rate as low as
4.935%
APR
Rate as low as
4.250%
Rate
$ 984
Monthly Payment
Show Details

FHA 30 year and 15 year mortgage rates today from 3.125%

Updated: 1/17/2020
FHA 30 Yr.
FHA 30 Yr.
Rate as low as
3.342%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details
Updated: 1/17/2020
FHA 15 Yr.
FHA 15 Yr.
Rate as low as
3.379%
APR
Rate as low as
3.125%
Rate
$ 1,393
Monthly Payment
Show Details

VA 30 year mortgage rates today from 3.125%

Updated: 1/17/2020
VA 30 Yr.
VA 30 Yr.
Rate as low as
3.342%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details

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.

2020 Conventional loan limits for North Carolina

County NameOne FamilyTwo FamilyThree FamilyFour Family
Alamance CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Alexander CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Alleghany CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Anson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Ashe CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Avery CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Beaufort CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bertie CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bladen CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Brunswick CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Buncombe CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Burke CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cabarrus CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Caldwell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Camden CountyOne Family$625,500Two Family$800,775Three Family$967,950Four Family$1,202,925
Carteret CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Caswell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Catawba CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chatham CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cherokee CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chowan CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Clay CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cleveland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Columbus CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Craven CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cumberland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Currituck CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Dare CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Davidson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Davie CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Duplin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Durham CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Edgecombe CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Forsyth CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Franklin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Gaston CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Gates CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Graham CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Granville CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Greene CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Guilford CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Halifax CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Harnett CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Haywood CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Henderson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hertford CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hoke CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hyde CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Iredell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Jackson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Johnston CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Jones CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lee CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lenoir CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lincoln CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Macon CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Madison CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Martin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mcdowell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mecklenburg CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mitchell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Montgomery CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Moore CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Nash CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
New Hanover CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Northampton CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Onslow CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Orange CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Pamlico CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Pasquotank CountyOne Family$625,500Two Family$800,775Three Family$967,950Four Family$1,202,925
Pender CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Perquimans CountyOne Family$625,500Two Family$800,775Three Family$967,950Four Family$1,202,925
Person CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Pitt CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Polk CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Randolph CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Richmond CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Robeson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Rockingham CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Rowan CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Rutherford CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Sampson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Scotland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Stanly CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Stokes CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Surry CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Swain CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Transylvania CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Tyrrell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Union CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Vance CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wake CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Warren CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Washington CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Watauga CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wayne CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wilkes CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wilson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Yadkin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Yancey CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
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