Mortgage Payment Calculator NC

Welcome to our comprehensive mortgage payment calculator NC With our free mortgage calculator in North Carolina, you can effortlessly estimate your monthly payments for your dream home.

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Monthly Payment

Principal & Interest 1421

Monthly Taxes 1421

Monthly HOA 1421

Monthly Insurance 1421

Whether you're a first-time homebuyer or looking to refinance, our mortgage calculator for North Carolina provides accurate results tailored to the unique real estate market of NC. Take advantage of our user-friendly North Carolina mortgage calculator today to plan your finances confidently!

An NC house mortgage calculator is a financial aid tool that estimates your monthly mortgage payment based on the information you provide on the home's purchase price, down payment, interest rate, loan term, and property tax rate. 

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Mortgage Rates North Carolina

Navigating the real estate landscape in North Carolina requires a keen eye on the financial aspects. As of August 4, 2023, the current mortgage rates in NC stand at approximately 7.00% to 7.50%. These rates are dynamic, reflecting the economic climate and borrower qualifications. For those actively searching for homes, keeping an eye on mortgage rates NC today is crucial.

Whether opting for a conventional 30-year fixed loan at 7.067%, a 15-year fixed at 6.482%, an FHA 30-year fixed at 7.79%, or a VA 15-year fixed at 6.77%, understanding NC mortgage rates empowers buyers to make informed financial choices. Stay updated, as rates play a significant role in your home buying journey.

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NC Mortgage Rates History

Below down is NC mortgage rates history list from January 2022 to August 2023:


  • January 2022: 3.22%
  • February 2022: 3.56%
  • March 2022: 4.17%
  • April 2022: 4.96%
  • May 2022: 5.30%
  • June 2022: 5.70%
  • July 2022: 5.92%
  • August 2023: 7.07%

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Types of Home Loans in North Carolina

4 types of home loans in North Carolina which are:


  • The Conventional loans: Conventional loans are not insured by the federal government and are typically offered by banks and credit unions.

  • The FHA loans: FHA loans are insured by the Federal Housing Administration and are designed to help borrowers with lower credit scores and smaller down payments qualify for a mortgage.

  • The VA loans: VA loans are guaranteed by the Department of Veterans Affairs and are available to eligible veterans and service members.

  • The USDA loans: USDA loans are guaranteed by the United States Department of Agriculture and are available to eligible borrowers who purchase a home in a rural area.

Jumbo Mortgage Rates NC

Delving into the world of real estate finance in North Carolina, understanding the intricacies of jumbo mortgage rates NC is paramount. As of August 4, 2023, these rates hover between 7.50% to 8.00%, influencing the financial decisions of homebuyers and investors alike.


For those considering different loan products, the landscape varies:


  • Jumbo 30-year fixed rates stand at a stable 7.567%, providing a balance between stability and affordability.

  • If a shorter term is preferable, the 15-year fixed rates offer a more accelerated payoff plan at 6.982%, providing a quicker route to mortgage freedom.

  • Exploring government-backed options, the Jumbo FHA 30-year fixed rates are at 8.29%, a reflection of the tailored benefits these loans can offer.

  • The Jumbo FHA 15-year fixed rates provide a middle ground at 7.52%, offering a blend of shorter terms and FHA advantages.

  • Veterans considering homeownership can explore the Jumbo VA 30-year fixed rates, currently set at 8.14%, providing support and benefits tailored to their service.


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Current FHA Mortgage Rates in NC

Navigating the real estate market in North Carolina requires a keen understanding of FHA mortgage rates NC. As of August 4, 2023, the financial landscape showcases an average FHA 30-year fixed mortgage rate of 7.79%, as reported by Bankrate. For those seeking a shorter repayment period, the average FHA 15-year fixed mortgage rate is 6.92%.


To secure an FHA loan in this state, certain eligibility criteria must be met. Prospective buyers need a minimum credit score of 580 and a debt-to-income ratio not exceeding 50%. Additionally, the property you intend to purchase must align with FHA standards, ensuring a secure investment in your homeownership journey. Stay informed about these current FHA mortgage rates in NC to make well-informed decisions about your home financing.

North Carolina Credit Union Mortgage Rates

NC credit union mortgage rates as of August 4, 2023, are around 6.50% to 7.00%. The average credit union mortgage rates in North Carolina for different loan products:


  • 30-year fixed 6.75%
  • 15-year fixed 6.25%
  • 5-year (ARM) 6.50%
  • 7-year ARM 6.75%

What Is The Current VA Mortgage Rate NC Today?

Understanding VA mortgage rates NC is crucial for veterans and service members considering homeownership. As of August 4, 2023, the current VA mortgage rate in North Carolina stands at 7.64% for a 30-year fixed loan, according to Veterans United Home Loans. This rate, while slightly higher than the national average of 7.37%, remains lower than conventional mortgage rates.


VA loans in North Carolina offer a range of advantages, including no down payment requirement, competitive interest rates, and accommodating credit score requirements. Stay informed about VA mortgage rates North Carolina to make well-informed decisions in your homebuying journey.

Refinance Rates NC

Refinance rates north Carolina as of August 4, 2023, are around 7.25% to 7.75%. The average refinance rates in North Carolina for different loan are:


  • Conventional 30-year fixed 7.351%
  • Conventional 15-year fixed 6.508%
  • FHA 30-year fixed 7.900%
  • FHA 15-year fixed 7.000%
  • VA 30-year fixed 7.850%
  • VA 15-year fixed 6.950%

North Carolina Mortgage Fee Limits

North Carolina has mortgage fee in place to protect consumers from excessive fees. The following are the maximum fees that lenders can charge on mortgages in North Carolina:


  • Origination fee: 2.5% of the loan amount
  • Appraisal fee: $500
  • Credit report fee: $25 per borrower
  • Title insurance fee: Varies depending on the property value
  • Recording fee: Varies depending on the county

Mortgage Lenders North Carolina

When it comes to finding the right mortgage partner, North Carolina residents are spoiled for choice. In 2023, the best mortgage lenders in North Carolina are determined by customer reviews and ratings. Here are the top picks:


  • Raleigh Mortgage Group, Inc.
  • Alpha Mortgage Corporation
  • Triangle Lending Group LLC
  • LenderOne
  • New American Funding
  • Rocket Mortgage
  • Guild Mortgage
  • LoanDepot
  • Wells Fargo
  • Bank of America
  • PNC Bank
  • US Bank

These North Carolina mortgage lenders have earned their reputation based on customer satisfaction, making them reliable options for your home financing needs.

Mortgage brokers in North Carolina

The best North Carolina mortgage brokers in 2023:


  • Carolina Home Mortgage
  • Carolina Ventures Mortgage
  • North Carolina Mortgage Professionals
  • Raleigh Mortgage Group
  • Triangle Lending Group
  • Mecklenburg Mortgage
  • Miller Lending Group
  • The Mortgage Alliance
  • Churchill Mortgage
  • AmeriSave Mortgage Corporation
  • Fairway Independent Mortgage Corporation

North Carolina Mortgage Companies

The best mortgage companies North Carolina:


  • Carolina Home Mortgage
  • Raleigh Mortgage Group
  • Alpha Mortgage Corporation
  • Triangle Lending Group
  • LenderOne
  • New American Funding
  • Rocket Mortgage
  • Guild Mortgage
  • LoanDepot
  • Wells Fargo
  • Bank of America
  • PNC Bank

Best Home Insurance Companies North Carolina

Best home insurance companies North Carolina

  1. Amica
  2. State Farm
  3. Allstate
  4. USAA
  5. Nationwide
  6. Travelers
  7. Liberty Mutual
  8. Erie
  9. North Carolina Farm Bureau
  10. Kemper

The Average Current Mortgage Rates Durham NC Today

As of August 4, 2023, mortgage rates Durham NC are:


  • 30-year fixed: 7.439%
  • 15-year fixed: 6.543%
  • 5-year ARM: 7.744%


Current mortgage rates in Durham, NC for different loan types as of August 4, 2023:


  • FHA 30-year fixed: 7.16%
  • FHA 15-year fixed: 6.27%
  • VA 30-year fixed: 7.64%
  • VA 15-year fixed: 6.75%
  • USDA 30-year fixed: 6.99%
  • USDA 15-year fixed: 6.10%

Current Mortgage Interest Rates Charlotte NC Today

As of August 4, 2023, the current mortgage interest rates in Charlotte, NC are:


  • 30-year fixed: 7.79%
  • 15-year fixed: 7.09%
  • 5-year ARM: 7.62%


List of the current mortgage interest rates charlotte NC for different loan types as of August 4, 2023:


  • FHA 30-year fixed: 7.14%
  • FHA 15-year fixed: 6.34%
  • VA 30-year fixed: 7.61%
  • VA 15-year fixed: 6.72%
  • USDA 30-year fixed: 7.25%
  • USDA 15-year fixed: 6.35%

Current Mortgage Interest Rates Raleigh NC Today

As of August 4, 2023, the current mortgage interest rates in Raleigh, NC are:


  • 30 year fixed: 7.439%
  • 15 year fixed: 6.543%
  • 5 year ARM: 7.744%
  • FHA 30-year fixed: 7.16%
  • FHA 15-year fixed: 6.27%
  • VA 30-year fixed: 7.64%
  • VA 15-year fixed: 6.75%
  • USDA 30-year fixed: 6.99%
  • USDA 15-year fixed: 6.10%

The Average Current Mortgage Interest Rates Greensboro NC Today

As of August 4, 2023, the current mortgage interest rates Greensboro, NC are:


  • 30 year fixed: 7.78%
  • 15 year fixed: 7.09%
  • 5 year ARM: 7.62%
  • FHA 30-year fixed: 7.14%
  • FHA 15-year fixed: 6.34%
  • VA 30-year fixed: 7.61%
  • VA 15-year fixed: 6.72%
  • USDA 30-year fixed: 7.25%
  • USDA 15-year fixed: 6.35%

The Average Current Mortgage Interest Rates Winston Salem NC Today

As of August 4, 2023, the current mortgage interest rates in Winston-Salem, NC are:


  • 30 year fixed: 7.87%
  • 15 year fixed: 7.11%
  • 5 year ARM: 7.09%
  • FHA 30-year fixed: 7.16%
  • FHA 15-year fixed: 6.34%
  • VA 30-year fixed: 7.61%
  • VA 15 year fixed: 6.72%
  • USDA 30-year fixed: 7.25%
  • USDA 15-year fixed: 6.35%

The Average Current Mortgage Interest Rates Fayetteville NC Today

The average current mortgage interest rates in Fayetteville, NC as of August 4, 2023 are:


  • 30 year fixed: 7.75%
  • 15 year fixed: 6.94%
  • 5 year ARM: 7.07%
  • FHA 30-year fixed: 7.14%
  • FHA 15-year fixed: 6.34%
  • VA 30-year fixed: 7.61%
  • VA 15-year fixed: 6.72%
  • USDA 30-year fixed: 7.25%
  • USDA 15-year fixed: 6.35%

The Average Current Mortgage Interest Rates Cary NC Today

The current mortgage interest rates in Cary, NC as of August 4, 2023 are:


  • 30 year fixed: 7.439%
  • 15- year fixed: 6.543%
  • 5 year ARM: 7.744%
  • FHA 30-year fixed: 7.16%
  • FHA 15-year fixed: 6.27%
  • VA 30-year fixed: 7.64%
  • VA 15-year fixed: 6.75%
  • USDA 30-year fixed: 6.99%
  • USDA 15-year fixed: 6.10%

The Average Current Mortgage Interest Rates Wilmington NC today

As of August 4, 2023, the current mortgage interest rates in Wilmington, NC are:


30-year fixed: 7.87%

15-year fixed: 7.11%

5-year ARM: 7.09%

FHA 30-year fixed: 7.16%

FHA 15-year fixed: 6.34%

VA 30-year fixed: 7.61%

VA 15-year fixed: 6.72%

USDA 30-year fixed: 7.25%

USDA 15-year fixed: 6.35%

The Average Current Mortgage Interest Rates High Point Today

As of today, August 4, 2023, the current mortgage interest rates in High Point, NC are:


30-year fixed: 7.399%

15-year fixed: 6.569%

5-year ARM: 7.759%

FHA 30-year fixed: 7.14%

FHA 15-year fixed: 6.34%

VA 30-year fixed: 7.61%

VA 15-year fixed: 6.72%

USDA 30-year fixed: 7.25%

USDA 15-year fixed: 6.35%

The Average Current Mortgage Interest Rates Concord Today

As of August 4, 2023, the current mortgage interest rates in Concord, NC are:


30-year fixed: 7.78%

15-year fixed: 7.09%

5-year ARM: 7.62%

FHA 30-year fixed: 7.14%

FHA 15-year fixed: 6.34%

VA 30-year fixed: 7.61%

VA 15-year fixed: 6.72%

USDA 30-year fixed: 7.25%

USDA 15-year fixed: 6.35%

Mortgage Calculator North Carolina-FAQs:

How much is mortgage in North Carolina?

It depends on the loan amount, interest rate, and term.

How much is pmi in North Carolina?

It depends on the loan amount, down payment, and credit score.

What are home buying interest rates in NC?

As of July 29, 2023, the average interest rate for a 30-year fixed-rate mortgage in NC is 5.60%.

What are mortgage rates today in NC?

As of July 29, 2023, the average interest rate for a 30-year fixed-rate mortgage in NC is 5.60%.

Is North Carolina a mortgage state?

Yes, North Carolina is a mortgage state. This means that mortgages are legal and regulated in the state.

Mortgage Payment Calculator NC