Raleigh, NC Mortgage Rates
Live Mortgage Rates in Raleigh, North Carolina
6.615%
Raleigh Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:15 PM UTC
Sourced live from hundreds of wholesale lenders serving Raleigh and North Carolina
Raleigh Benchmark Rates
Lowest available rate with no discount points paid in Raleigh, NC for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Raleigh, NC | 6.615% | 6.651% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Raleigh, NC | 5.990% | 6.023% |
VA VA Purchase (100% LTV, 680 FICO) · Raleigh, NC | 6.125% | 6.155% |
2026 Loan Limits in North Carolina
Conforming
$832,750 baseline
High-cost North Carolina counties go up to $1,249,125 - Raleigh may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost North Carolina counties allow more, up to $1,249,125 - check your specific county.
About Raleigh Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Raleigh, North Carolina homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving North Carolina and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Raleigh property.
Your specific Raleigh rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full North Carolina lender network, use the Rate Direct pricer.
Raleigh buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to North Carolina, see the North Carolina DPA guide.
Get your personalized Raleigh mortgage rate
The rates above are the market benchmark for Raleigh. Your actual rate depends on your scenario.