North Carolina FHA Mortgage Loan Limits
Low Rate Mortgage Refinancing and 3% Down Home Purchase Loans

Thousands of North Carolina homeowners will benefit from new increased FHA mortgage loan limits with fixed rate refinance loans up to $331,250 in designated high cost areas. Carolina home refinancing has never been easier with cash out loans available up to 95% for qualified borrowers. These fixed mortgage rates offer a hedge against inflation because even if the economy tanks and the interest rates spike, you are protected with government insured fixed FHA loans. The Housing of Urban Development raised the North Carolina mortgage maximum limits for 2008 and the loan changes can be seen below by county.

There are so many external factors involved with home mortgage rates that we strongly suggest not trying to time the market. Usually, consumers end up refinancing with a higher rate mortgage because they waited too long for the interest rates to drop.

If you can reduce your monthly mortgage payment today then we suggest refinancing into a fixed rate loan and consider the cash out options. Talk with one of our North Carolina mortgage lenders today about locking your rate.

Name

County Name

State

One-Family

Two-Family

Three-Family

Four-Family

HICKORY-LENOIR-MORGANTON

BURKE

NC

$271,050

$347,000

$419,400

$521,250

HICKORY-LENOIR-MORGANTON

CATAWBA

NC

$271,050

$347,000

$419,400

$521,250

HICKORY-LENOIR-MORGANTON

CALDWELL

NC

$271,050

$347,000

$419,400

$521,250

HICKORY-LENOIR-MORGANTON

ALEXANDER

NC

$271,050

$347,000

$419,400

$521,250

WILMINGTON

PENDER

NC

$303,750

$388,850

$470,000

$584,150

WILMINGTON

BRUNSWICK

NC

$303,750

$388,850

$470,000

$584,150

WILMINGTON

NEW HANOVER

NC

$303,750

$388,850

$470,000

$584,150

ROCKINGHAM

RICHMOND

NC

$271,050

$347,000

$419,400

$521,250

DURHAM

DURHAM

NC

$331,250

$424,050

$512,600

$637,000

DURHAM

ORANGE

NC

$331,250

$424,050

$512,600

$637,000

DURHAM

PERSON

NC

$331,250

$424,050

$512,600

$637,000

DURHAM

CHATHAM

NC

$331,250

$424,050

$512,600

$637,000

LINCOLNTON

LINCOLN

NC

$271,050

$347,000

$419,400

$521,250

ELIZABETH CITY

CAMDEN

NC

$729,750

$934,200

$1,129,250

$1,403,400

ELIZABETH CITY

PASQUOTANK

NC

$729,750

$934,200

$1,129,250

$1,403,400

ELIZABETH CITY

PERQUIMANS

NC

$729,750

$934,200

$1,129,250

$1,403,400

NEW BERN

JONES

NC

$271,050

$347,000

$419,400

$521,250

NEW BERN , NC (MICRO)

CRAVEN

NC

$271,050

$347,000

$419,400

$521,250

NEW BERN

PAMLICO

NC

$271,050

$347,000

$419,400

$521,250

WINSTON-SALEM

DAVIE

NC

$271,050

$347,000

$419,400

$521,250

WINSTON-SALEM

STOKES

NC

$271,050

$347,000

$419,400

$521,250

WINSTON-SALEM

YADKIN

NC

$271,050

$347,000

$419,400

$521,250

WINSTON-SALEM

FORSYTH

NC

$271,050

$347,000

$419,400

$521,250

MOUNT AIRY

SURRY

NC

$271,050

$347,000

$419,400

$521,250

BOONE

WATAUGA

NC

$285,000

$364,850

$441,000

$548,050

FOREST CITY

RUTHERFORD

NC

$271,050

$347,000

$419,400

$521,250

NORTH WILKESBORO

WILKES

NC

$271,050

$347,000

$419,400

$521,250

LUMBERTON

ROBESON

NC

$271,050

$347,000

$419,400

$521,250

ROANOKE RAPIDS

HALIFAX

NC

$271,050

$347,000

$419,400

$521,250

ROANOKE RAPIDS

NORTHAMPTON

NC

$271,050

$347,000

$419,400

$521,250

THOMASVILLE-LEXINGTON

DAVIDSON

NC

$271,050

$347,000

$419,400

$521,250

GOLDSBORO

WAYNE

NC

$271,050

$347,000

$419,400

$521,250

GREENSBORO-HIGH POINT

GUILFORD

NC

$271,050

$347,000

$419,400

$521,250

GREENSBORO-HIGH POINT

RANDOLPH

NC

$271,050

$347,000

$419,400

$521,250

GREENSBORO-HIGH POINT

ROCKINGHAM

NC

$271,050

$347,000

$419,400

$521,250

SOUTHERN PINES-PINEHURST

MOORE

NC

$271,050

$347,000

$419,400

$521,250

WILSON

WILSON

NC

$271,050

$347,000

$419,400

$521,250

SANFORD

LEE

NC

$271,050

$347,000

$419,400

$521,250

STATESVILLE-MOORESVILLE

IREDELL

NC

$271,050

$347,000

$419,400

$521,250

CHARLOTTE-GASTONIA-CONCORD , NC -SC

ANSON

NC

$303,750

$388,850

$470,000

$584,150

CHARLOTTE-GASTONIA-CONCORD , NC -SC

UNION

NC

$303,750

$388,850

$470,000

$584,150

CHARLOTTE-GASTONIA-CONCORD , NC -SC

GASTON

NC

$303,750

$388,850

$470,000

$584,150

CHARLOTTE-GASTONIA-CONCORD , NC -SC

CABARRUS

NC

$303,750

$388,850

$470,000

$584,150

CHARLOTTE-GASTONIA-CONCORD , NC -SC

MECKLENBURG

NC

$303,750

$388,850

$470,000

$584,150

SALISBURY

ROWAN

NC

$271,050

$347,000

$419,400

$521,250

ALBEMARLE

STANLY

NC

$271,050

$347,000

$419,400

$521,250

ROCKY MOUNT

NASH

NC

$271,050

$347,000

$419,400

$521,250

ROCKY MOUNT

EDGECOMBE

NC

$271,050

$347,000

$419,400

$521,250

SHELBY

CLEVELAND

NC

$271,050

$347,000

$419,400

$521,250

BURLINGTON

ALAMANCE

NC

$271,050

$347,000

$419,400

$521,250


 

Podcast: Loan Talk "Refinancing with FHA Mortgage Loans"

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Nationwide Mortgage Loans rolls out new refinance loans with FHA Mortgage Programs that allow higher home loan limits with additional cash out options for refinancing to 95%.


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How does a fixed rate 1st mortgage compare to a variable rate mortgage or an interest only home loan?


North Carolina Mortgage Rates & FHA Refinancing

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