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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

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.

2024 Conforming loan limits for North Carolina

Select County
County Name One Family Two Family Three Family Four Family
Alamance County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Alexander County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Alleghany County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Anson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ashe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Avery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Beaufort County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bertie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bladen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brunswick County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Buncombe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Burke County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cabarrus County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Caldwell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Camden County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carteret County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Caswell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Catawba County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chatham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cherokee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chowan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clay County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cleveland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Columbus County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Craven County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cumberland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Currituck County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dare County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Davidson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Davie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Duplin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Durham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Edgecombe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Forsyth County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gaston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gates County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Graham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Granville County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greene County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Guilford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Halifax County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Harnett County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Haywood County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henderson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hertford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hoke County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hyde County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Iredell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jackson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Johnston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jones County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lenoir County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lincoln County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Macon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Madison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Martin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mcdowell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mecklenburg County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mitchell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Montgomery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Moore County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nash County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
New Hanover County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Northampton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Onslow County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Orange County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pamlico County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pasquotank County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pender County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Perquimans County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Person County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pitt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Polk County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Randolph County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Richmond County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Robeson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rockingham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rowan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rutherford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sampson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Scotland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stanly County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stokes County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Surry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Swain County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Transylvania County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tyrrell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Union County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Vance County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Warren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Watauga County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wayne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wilkes County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wilson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Yadkin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Yancey County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400

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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