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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

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

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.

2025 Conforming loan limits for North Carolina

Select County
County Name One Family Two Family Three Family Four Family
Alamance County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Alexander County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Alleghany County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Anson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ashe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Avery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Beaufort County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bertie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bladen County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brunswick County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Buncombe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Burke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cabarrus County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Caldwell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Camden County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carteret County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Caswell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Catawba County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chatham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cherokee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chowan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cleveland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Columbus County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Craven County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cumberland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Currituck County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dare County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Davidson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Davie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Duplin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Durham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Edgecombe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Forsyth County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gaston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gates County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Graham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Granville County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greene County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Guilford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Halifax County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Harnett County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Haywood County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henderson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hertford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hoke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hyde County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Iredell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Johnston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jones County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lenoir County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Macon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Martin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mcdowell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mecklenburg County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mitchell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Moore County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nash County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
New Hanover County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Northampton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Onslow County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Orange County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pamlico County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pasquotank County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pender County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Perquimans County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Person County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pitt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Polk County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Randolph County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Richmond County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Robeson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rockingham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rowan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rutherford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sampson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Scotland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stanly County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stokes County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Surry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Swain County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Transylvania County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tyrrell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Union County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Vance County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wake County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Warren County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Watauga County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wayne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilkes County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Yadkin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Yancey County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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