Mortgage rates in North Carolina

Whether you’re ready to buy or refinance, 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 mortgage rates in North Carolina
Rate
APR1

Choose a different state.

The rates below assume a few basic things:

  • You have very good credit (a FICO credit score of 740+)
  • Your loan is for 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

North Carolina living

The most populated cities in the state of North Carolina include Charlotte, Raleigh and Durham. The capital, Raleigh, is known for its universities and is home to North Carolina State University. Desirable urban and rural areas, Atlantic Ocean beaches and the breathtaking Great Smoky Mountains make the Tar Heel State a great place to live and work.

North Carolina first-time home buyer programs

First-time home buyer assistance programs in North Carolina and across the U.S. offer loans, grants, down payment assistance and tax credits. But availability and qualification requirements can vary. Contact your U.S. Bank mortgage loan officer for more information about programs available in North Carolina.

Find a mortgage loan officer in North Carolina.

Our local mortgage loan officers understand the specifics of 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

Take the next step.

Prequalification helps you see how much you might be able to borrow.

Prequalify

If you’ve already found your dream home or are interested in refinancing an existing mortgage, start your application today.

Apply now

Find mortgage rate by state