North Carolina Mortgage Rates
Live Mortgage Rates in North Carolina
6.490%
North Carolina Conventional Purchase benchmark (80% LTV, 780 FICO), updated Friday, November 6, 2026 at 10:24 PM UTC
Sourced live from hundreds of wholesale lenders serving North Carolina
North Carolina Benchmark Rates
Lowest available rate with no discount points paid in North Carolina for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · North Carolina | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · North Carolina | 5.990% | 6.020% |
VA VA Purchase (100% LTV, 680 FICO) · North Carolina | 5.990% | 6.020% |
2026 Loan Limits in North Carolina
Conforming (Conventional)
$832,750 baseline
Some North Carolina counties qualify as high-cost, with limits up to $1,249,125.
FHA
$541,287
Standard FHA limit. Select high-cost North Carolina counties allow more, up to $1,249,125.
VA
No loan limit
VA loans in North Carolina have no maximum when full entitlement is available.
USDA
Varies by area
USDA Rural Development loans follow area income limits rather than a state loan limit.
How North Carolina Mortgage Rates Are Calculated
The rates shown above reflect the lowest available wholesale pricing for North Carolina homebuyers and refinancers from the lenders Rate Direct actively monitors. Pricing is pulled live and refreshed hourly, so the number you see matches what a licensed mortgage broker could source at the time of the snapshot.
Your actual rate in North Carolina depends on your specific scenario - credit score, loan amount, property type, loan-to-value, and loan purpose all matter. A Raleigh buyer with 780 FICO at 80% LTV will price differently than one at 680 FICO or 95% LTV. To see your exact rate across hundreds of lenders, use the Rate Direct pricer.
North Carolina borrowers also have access to FHA, VA, and USDA programs with lower down payment requirements and more lenient credit guidelines. Compare all loan types on the Rate Index or explore down payment assistance programs.
North Carolina Mortgage Rates by Metro
See live mortgage rate benchmarks for specific North Carolina metros.
Get your personalized North Carolina mortgage rate
The rates above reflect the North Carolina market benchmark. Your actual rate depends on your scenario. See the lowest available rate with no discount points paid for your situation from hundreds of lenders serving North Carolina.