North Carolina Mortgage Loans -FHA Limits

North Carolina home mortgage rates dropped to record levels again in 2013, spurring loan refinancing and North Carolina home buying. Thousands of North Carolina homeowners reaped the benefits from the raised FHA limits, but millions of people still need to refinance into a fixed rate home mortgage that is more affordable. North Carolina FHA loan application volumes have risen as declining home values have made North Carolina home buying more appealing than ever. FHA rates in North Carolina dipped below 5% on 30-year fixed mortgage loans. Read a recent Nationwide blog post > North Carolina Mortgage Rates Decline for FHA Loans.

Low Rate North Carolina Refinancing and 3.5% Down Home Loans

FHA offers North Carolina home loans up to $625,000 in high cost counties like Camden. Most of the counties are limiting North Carolina mortgage loans to $271,050 but that still helps most perspective home buyers finance an affordable home loan. 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. Check for current North Carolina mortgage rates online.

The Housing of Urban Development announced new North Carolina mortgage maximum limits for 2013. The North Carolina FHA loan limits 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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BD Nationwide Mortgage is pleased to announce several new refinance loans sponsored by the FHA Mortgage Programs. These FHA loans allow higher home loan limits with additional cash out options for refinancing to 85%.


Resource Tools


ARM vs. Fixed Rate Calculator
North Carolina mortgage rates have dropped below 5%. Use this calculator to figure out how a fixed rate 1st mortgage compares to a variable rate mortgage?

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North Carolina Mortgage Rates & FHA Refinancing

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