Today’s mortgage rates in North Carolina

Whether you’re ready to buy or just looking, you’ve come to the right place. Compare North Carolina mortgage rates for the loan options below.

Compare current refinance rates today.

See refinance rates

Today's 30-year fixed mortgage rate
Rate
APR1


Choose a different state.

The rates listed below assume some things about you:

  • You have very good credit (a FICO credit score of 740+)
  • You’re buying a single-family home as your primary residence

Conventional fixed-rate mortgages

Learn more about interest rates and Annual Percentage Rate (APR).1

This table shows rates for conventional fixed-rate mortgages through U.S. Bank.
Term 30-year fixed
Rate
APR
Term 20-year fixed
Rate
APR
Term 15-year fixed
Rate
APR
Term 10-year fixed
Rate
APR
This table shows rates for conventional fixed-rate mortgages through U.S. Bank.
Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable-rate mortgages

Learn more about interest rates and Annual Percentage Rate (APR).1

This table shows rates for adjustable-rate mortgages through U.S. Bank.
Term 10-year ARM
Rate
APR
Term 5-year ARM
Rate
APR
Term 3-year ARM
Rate
APR
This table shows rates for adjustable-rate mortgages through U.S. Bank.
Term Rate APR
10-year ARM
5-year ARM
3-year ARM

FHA mortgages

Learn more about interest rates and Annual Percentage Rate (APR).1

This table shows rates for FHA mortgages through U.S. Bank.
Term 30-year fixed - FHA
Rate
APR
Term 15-year fixed - FHA
Rate
APR
This table shows rates for FHA mortgages through U.S. Bank.
Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA mortgages

Learn more about interest rates and Annual Percentage Rate (APR).1

This table shows rates for VA mortgages through U.S. Bank.
Term 30-year fixed - VA
Rate
APR
Term 15-year fixed - VA
Rate
APR
This table shows rates for VA mortgages through U.S. Bank.
Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo mortgages

Learn more about interest rates and Annual Percentage Rate (APR).1

This table shows rates for jumbo mortgages through U.S. Bank.
Term 30-year fixed - jumbo
Rate
APR
Term 20-year fixed - jumbo
Rate
APR
Term 15-year fixed - jumbo
Rate
APR
This table shows rates for jumbo mortgages through U.S. Bank.
Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Take the next step

Shop for your dream home with confidence by getting a prequalification estimate. It’s fast, free and won’t affect your credit report.

Get a prequalification estimate

If you’ve already found your dream home, then start your application today.

Apply now

Find answers to your mortgage questions.

Wherever you are in your journey, the key to enjoying the home-buying process is getting answers to your questions when you need them.

Ready to speak to a mortgage loan officer near you?

Our local mortgage loan officers understand the needs specific to the North Carolina market. Let us help you navigate the home-buying process so you can focus on finding your dream home.

Find a mortgage loan officer

Check out our First-Time Home Buyer guide.

Our guide has answers to many common home-buying questions.

Find answers

Find mortgage rate by state