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North Carolina Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in North Carolina

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4.750% Rate

30 Yr. Fixed

5.010% APR

$782 / month (est)

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Updated 12/11/2018

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5.750% Rate

30 Yr. Fixed

5.841% APR

$907 / month (est)

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Updated 12/13/2018

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5.375% Rate

30 Yr. Fixed

5.531% APR

$871 / month (est)

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Updated 12/13/2018

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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.

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