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

North Carolina Mortgage Rates and Refinance Rates: HSH Lender 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, 3.7 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]

Mortgage Refinance rates in North Carolina

Ad Disclosure
Recommended Lenders
North Carolina Homeowners: Don't Waste Time! Get Low Fixed Rate Here 3.75%APR
  • Compare up to 5 Offers, Against a Network of 1000s of Lenders
  • 3.75% APR
  • Fixed Rate 15yr
View Rates
HARP 2.0 Refinance Loan 3.1% FIXED
  • No Appraisal, No MAX LTV, 3.7 APR
  • Low FIXED HARP Rate, Get a Quote
  • Fannie Mae and Freddie Mac OK
View Rates

4.750% Rate

30 Yr. Fixed

5.010% APR

$782 / month (est)

Learn More

Updated 10/19/2018

Member of BBBNational LenderLow FeesImmediate Rate LockVA Approved Lender
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee

5.750% Rate

30 Yr. Fixed

5.841% APR

$907 / month (est)

Learn More

Updated 10/22/2018

National LenderFHA Approved LenderVA Approved LenderMember of BBBLow Fees
  • Get a free and no obligation rate quote in North Carolina.
  • Direct Lender.
  • Call now and lock-in your low rate!

5.625% Rate

30 Yr. Fixed

5.786% APR

$895 / month (est)

Learn More

Updated 10/22/2018

Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
  • Refinance to a get a lower payment, cash back or a faster payoff.
  • 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
HARP 2.0 Refinance Loan 3.1% FIXED
  • No Appraisal, No MAX LTV, 3.7 APR
  • View Instant Rates & Payments
  • BBB A+, No Login, No SSN.
  • Verify Eligibility
Learn More
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
Refinance Rates Are Rising - Act Now Before its Too Late!
  • One simple form, up to 5 competing quotes!
  • Find the best rate and save now!
  • Fast approvals!
Learn More
See if You Qualify for $100k (or a Year's Worth of Mortgage Payments)
  • Did you know that you may qualify for $100k?
  • You can use this to make home improvements, pay off debt, or even buy a car.
  • Take the survey to see if you are eligible.
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

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.

For North Carolina, 94 counties have conventional loan limits at $453,100 and 6 counties range from $458,850 and $625,500.

2018 Conventional loan limits for North Carolina

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alamance$453,100$580,150$701,250$871,450
Alexander$453,100$580,150$701,250$871,450
Alleghany$453,100$580,150$701,250$871,450
Anson$453,100$580,150$701,250$871,450
Ashe$453,100$580,150$701,250$871,450
Avery$453,100$580,150$701,250$871,450
Beaufort$453,100$580,150$701,250$871,450
Bertie$453,100$580,150$701,250$871,450
Bladen$453,100$580,150$701,250$871,450
Brunswick$453,100$580,150$701,250$871,450
Buncombe$453,100$580,150$701,250$871,450
Burke$453,100$580,150$701,250$871,450
Cabarrus$453,100$580,150$701,250$871,450
Caldwell$453,100$580,150$701,250$871,450
Camden$625,500$800,775$967,950$1,202,925
Carteret$453,100$580,150$701,250$871,450
Caswell$453,100$580,150$701,250$871,450
Catawba$453,100$580,150$701,250$871,450
Chatham$453,100$580,150$701,250$871,450
Cherokee$453,100$580,150$701,250$871,450
Chowan$453,100$580,150$701,250$871,450
Clay$453,100$580,150$701,250$871,450
Cleveland$453,100$580,150$701,250$871,450
Columbus$453,100$580,150$701,250$871,450
Craven$453,100$580,150$701,250$871,450
Cumberland$453,100$580,150$701,250$871,450
Currituck$458,850$587,400$710,050$882,400
Dare$453,100$580,150$701,250$871,450
Davidson$453,100$580,150$701,250$871,450
Davie$453,100$580,150$701,250$871,450
Duplin$453,100$580,150$701,250$871,450
Durham$453,100$580,150$701,250$871,450
Edgecombe$453,100$580,150$701,250$871,450
Forsyth$453,100$580,150$701,250$871,450
Franklin$453,100$580,150$701,250$871,450
Gaston$453,100$580,150$701,250$871,450
Gates$458,850$587,400$710,050$882,400
Graham$453,100$580,150$701,250$871,450
Granville$453,100$580,150$701,250$871,450
Greene$453,100$580,150$701,250$871,450
Guilford$453,100$580,150$701,250$871,450
Halifax$453,100$580,150$701,250$871,450
Harnett$453,100$580,150$701,250$871,450
Haywood$453,100$580,150$701,250$871,450
Henderson$453,100$580,150$701,250$871,450
Hertford$453,100$580,150$701,250$871,450
Hoke$453,100$580,150$701,250$871,450
Hyde$483,000$618,300$747,400$928,850
Iredell$453,100$580,150$701,250$871,450
Jackson$453,100$580,150$701,250$871,450
Johnston$453,100$580,150$701,250$871,450
Jones$453,100$580,150$701,250$871,450
Lee$453,100$580,150$701,250$871,450
Lenoir$453,100$580,150$701,250$871,450
Lincoln$453,100$580,150$701,250$871,450
Macon$453,100$580,150$701,250$871,450
Madison$453,100$580,150$701,250$871,450
Martin$453,100$580,150$701,250$871,450
Mcdowell$453,100$580,150$701,250$871,450
Mecklenburg$453,100$580,150$701,250$871,450
Mitchell$453,100$580,150$701,250$871,450
Montgomery$453,100$580,150$701,250$871,450
Moore$453,100$580,150$701,250$871,450
Nash$453,100$580,150$701,250$871,450
New Hanover$453,100$580,150$701,250$871,450
Northampton$453,100$580,150$701,250$871,450
Onslow$453,100$580,150$701,250$871,450
Orange$453,100$580,150$701,250$871,450
Pamlico$453,100$580,150$701,250$871,450
Pasquotank$625,500$800,775$967,950$1,202,925
Pender$453,100$580,150$701,250$871,450
Perquimans$625,500$800,775$967,950$1,202,925
Person$453,100$580,150$701,250$871,450
Pitt$453,100$580,150$701,250$871,450
Polk$453,100$580,150$701,250$871,450
Randolph$453,100$580,150$701,250$871,450
Richmond$453,100$580,150$701,250$871,450
Robeson$453,100$580,150$701,250$871,450
Rockingham$453,100$580,150$701,250$871,450
Rowan$453,100$580,150$701,250$871,450
Rutherford$453,100$580,150$701,250$871,450
Sampson$453,100$580,150$701,250$871,450
Scotland$453,100$580,150$701,250$871,450
Stanly$453,100$580,150$701,250$871,450
Stokes$453,100$580,150$701,250$871,450
Surry$453,100$580,150$701,250$871,450
Swain$453,100$580,150$701,250$871,450
Transylvania$453,100$580,150$701,250$871,450
Tyrrell$453,100$580,150$701,250$871,450
Union$453,100$580,150$701,250$871,450
Vance$453,100$580,150$701,250$871,450
Wake$453,100$580,150$701,250$871,450
Warren$453,100$580,150$701,250$871,450
Washington$453,100$580,150$701,250$871,450
Watauga$453,100$580,150$701,250$871,450
Wayne$453,100$580,150$701,250$871,450
Wilkes$453,100$580,150$701,250$871,450
Wilson$453,100$580,150$701,250$871,450
Yadkin$453,100$580,150$701,250$871,450
Yancey$453,100$580,150$701,250$871,450