North Carolina Mortgage Rates
Current North Carolina mortgage rates. Review changes in fixed and adjustable rates for conventional, FHA, and VA mortgages in NC.
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Here are the current mortgage rates in North Carolina, covering conventional, FHA, and VA home loans as well as fixed and variable rates. Compare them to current national rates and historical interest rates for North Carolina and the United States.
Current Mortgage Rates in NC
| Mortgage Type | Avg. NC Rate | National Rate |
| 30-Year Fixed | 4.27% | 3.60% |
| 15-Year Fixed | 3.43% | 3.05% |
| 30-Year 5/1 ARM | 3.77% | 3.36% |
| 30-Year 3/1 ARM | 4.02% | – |
| 30-Year 7/1 ARM | 3.92% | – |
| 30-Year 10/1 ARM | 3.99% | – |
Last update: 2/4/2020
Source: Consumer Financial Protection Bureau, Federal Reserve Bank of St. Louis Advertisement
Non-Conventional Mortgage Rates in NC
| Mortgage Type | Avg. NC Rate |
| FHA 30-Year Fixed | 3.90% |
| FHA 15-Year Fixed | 3.85% |
| VA 30-Year Fixed | 3.87% |
| VA 15-Year Fixed | 3.82% |
Last update: 2/4/2020
Source: Consumer Financial Protection Bureau
Historical Mortgage Rate Trends in NC
Source: Federal Housing Finance Agency Monthly Interest Rate Survey
Note: Adjustable mortgage rates excluded due to insufficient data.
Historical Mortgage Rate Trends in the U.S.
Source: Freddie Mac
Other Helpful Mortgage Resources