FHA Home Loans North Carolina

FHA loans have been helping North Carolina residents since 1934

A licensed North Carolina FHA Lender can offer you a better loan including:

Low down payments (if any)
Low closing costs
Easy credit qualifying
48 hour Streamline Refinancing

How it works:

√ Determine the best type of FHA loan that best fits your needs

√ Complete an easy 2 minute form

√ An FHA Loan Specialist will respond within 1 business day.

√ Review with no obligations your loan approval and locked rate.

As of January 1, 2016, Borrowers can finance 96.5% of the purchase price and put down only 3.5 percent. In some instances, when combined with other types of loans, the down payment can be zero.
Allowable refinance up to 115% of your homes value.
Let us help roll your closing costs into your loan total.

North Carolina FHA Lending Limits 2017

County Name	Single	Duplex	3 Unit	4 Unit
ALAMANCE	$275,665	$352,950	$426,625	$530,150
BURLINGTON, NC

ALEXANDER	$275,665	$352,950	$426,625	$530,150
HICKORY-LENOIR-MORGANTON, NC
ALLEGHANY	$275,665	$352,950	$426,625	$530,150
NON-METRO
ANSON	$275,665	$352,950	$426,625	$530,150
NON-METRO
ASHE	$275,665	$352,950	$426,625	$530,150
NON-METRO
AVERY	$275,665	$352,950	$426,625	$530,150
NON-METRO
BEAUFORT	$275,665	$352,950	$426,625	$530,150
WASHINGTON, NC
BERTIE	$275,665	$352,950	$426,625	$530,150
NON-METRO
BLADEN	$275,665	$352,950	$426,625	$530,150
NON-METRO

BRUNSWICK	$275,665	$352,950	$426,625	$530,150
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH,
BUNCOMBE	$275,665	$352,950	$426,625	$530,150
ASHEVILLE, NC
BURKE	$275,665	$352,950	$426,625	$530,150
HICKORY-LENOIR-MORGANTON, NC
CABARRUS	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC
CALDWELL	$275,665	$352,950	$426,625	$530,150
HICKORY-LENOIR-MORGANTON, NC
CAMDEN	$636,150	$814,500	$984,525	$1,223,475
ELIZABETH CITY, NC
CARTERET	$275,665	$352,950	$426,625	$530,150
MOREHEAD CITY, NC

CASWELL	$275,665	$352,950	$426,625	$530,150
NON-METRO

CATAWBA	$275,665	$352,950	$426,625	$530,150
HICKORY-LENOIR-MORGANTON, NC

CHATHAM	$359,950	$460,800	$557,000	$692,200
DURHAM-CHAPEL HILL, NC
CHEROKEE	$275,665	$352,950	$426,625	$530,150
NON-METRO
CHOWAN	$275,665	$352,950	$426,625	$530,150
NON-METRO
CLAY	$275,665	$352,950	$426,625	$530,150
NON-METRO
CLEVELAND	$275,665	$352,950	$426,625	$530,150
SHELBY, NC
COLUMBUS	$275,665	$352,950	$426,625	$530,150
NON-METRO

CRAVEN	$275,665	$352,950	$426,625	$530,150
NEW BERN, NC
CUMBERLAND	$275,665	$352,950	$426,625	$530,150
FAYETTEVILLE, NC
CURRITUCK	$458,850	$587,400	$710,050	$882,400
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA
DARE	$391,000	$500,550	$605,050	$751,900
KILL DEVIL HILLS, NC
DAVIDSON	$275,665	$352,950	$426,625	$530,150
WINSTON-SALEM, NC
DAVIE	$275,665	$352,950	$426,625	$530,150
WINSTON-SALEM, NC
DUPLIN	$275,665	$352,950	$426,625	$530,150
NON-METRO
DURHAM	$359,950	$460,800	$557,000	$692,200
DURHAM-CHAPEL HILL, NC
EDGECOMBE	$275,665	$352,950	$426,625	$530,150
ROCKY MOUNT, NC

FORSYTH	$275,665	$352,950	$426,625	$530,150
WINSTON-SALEM, NC
FRANKLIN	$300,150	$384,250	$464,450	$577,200
RALEIGH, NC
GASTON	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC
GATES	$458,850	$587,400	$710,050	$882,400
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA
GRAHAM	$275,665	$352,950	$426,625	$530,150
NON-METRO
GRANVILLE	$275,665	$352,950	$426,625	$530,150
OXFORD, NC
GREENE	$275,665	$352,950	$426,625	$530,150
NON-METRO

GUILFORD	$275,665	$352,950	$426,625	$530,150
GREENSBORO-HIGH POINT, NC

HALIFAX	$275,665	$352,950	$426,625	$530,150
ROANOKE RAPIDS, NC
HARNETT	$275,665	$352,950	$426,625	$530,150
DUNN, NC
HAYWOOD	$275,665	$352,950	$426,625	$530,150
ASHEVILLE, NC
HENDERSON	$275,665	$352,950	$426,625	$530,150
ASHEVILLE, NC
HERTFORD	$275,665	$352,950	$426,625	$530,150
NON-METRO
HOKE	$275,665	$352,950	$426,625	$530,150
FAYETTEVILLE, NC

HYDE	$483,000	$618,300	$747,400	$928,850
NON-METRO
IREDELL	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC
JACKSON	$275,665	$352,950	$426,625	$530,150
CULLOWHEE, NC
JOHNSTON	$300,150	$384,250	$464,450	$577,200
RALEIGH, NC
JONES	$275,665	$352,950	$426,625	$530,150
NEW BERN, NC
LEE	$275,665	$352,950	$426,625	$530,150
SANFORD, NC
LENOIR	$275,665	$352,950	$426,625	$530,150
KINSTON, NC
LINCOLN	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC

MACON	$275,665	$352,950	$426,625	$530,150
NON-METRO
MADISON	$275,665	$352,950	$426,625	$530,150
ASHEVILLE, NC
MARTIN	$275,665	$352,950	$426,625	$530,150
NON-METRO
MCDOWELL	$275,665	$352,950	$426,625	$530,150
MARION, NC
MECKLENBURG	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC
MITCHELL	$275,665	$352,950	$426,625	$530,150
NON-METRO
MONTGOMERY	$275,665	$352,950	$426,625	$530,150
NON-METRO
MOORE	$275,665	$352,950	$426,625	$530,150
PINEHURST-SOUTHERN PINES, NC

NASH	$275,665	$352,950	$426,625	$530,150
ROCKY MOUNT, NC

NEW HANOVER	$275,665	$352,950	$426,625	$530,150
WILMINGTON, NC
NORTHAMPTON	$275,665	$352,950	$426,625	$530,150
ROANOKE RAPIDS, NC
ONSLOW	$275,665	$352,950	$426,625	$530,150
JACKSONVILLE, NC
ORANGE	$359,950	$460,800	$557,000	$692,200
DURHAM-CHAPEL HILL, NC
PAMLICO	$275,665	$352,950	$426,625	$530,150
NEW BERN, NC
PASQUOTANK	$636,150	$814,500	$984,525	$1,223,475
ELIZABETH CITY, NC
PENDER	$275,665	$352,950	$426,625	$530,150
WILMINGTON, NC

PERQUIMANS	$636,150	$814,500	$984,525	$1,223,475
ELIZABETH CITY, NC

PERSON	$359,950	$460,800	$557,000	$692,200
DURHAM-CHAPEL HILL, NC
PITT	$275,665	$352,950	$426,625	$530,150
GREENVILLE, NC
POLK	$275,665	$352,950	$426,625	$530,150
NON-METRO
RANDOLPH	$275,665	$352,950	$426,625	$530,150
GREENSBORO-HIGH POINT, NC
RICHMOND	$275,665	$352,950	$426,625	$530,150
ROCKINGHAM, NC
ROBESON	$275,665	$352,950	$426,625	$530,150
LUMBERTON, NC

ROCKINGHAM	$275,665	$352,950	$426,625	$530,150
GREENSBORO-HIGH POINT, NC
ROWAN	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC
RUTHERFORD	$275,665	$352,950	$426,625	$530,150
FOREST CITY, NC
SAMPSON	$275,665	$352,950	$426,625	$530,150
NON-METRO
SCOTLAND	$275,665	$352,950	$426,625	$530,150
LAURINBURG, NC
STANLY	$275,665	$352,950	$426,625	$530,150
ALBEMARLE, NC
STOKES	$275,665	$352,950	$426,625	$530,150
WINSTON-SALEM, NC
SURRY	$275,665	$352,950	$426,625	$530,150
MOUNT AIRY, NC
SWAIN	$275,665	$352,950	$426,625	$530,150
NON-METRO
TRANSYLVANIA	$275,665	$352,950	$426,625	$530,150
BREVARD, NC
TYRRELL	$391,000	$500,550	$605,050	$751,900
KILL DEVIL HILLS, NC
UNION	$280,600	$359,200	$434,200	$539,600
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VANCE	$275,665	$352,950	$426,625	$530,150
HENDERSON, NC
WAKE	$300,150	$384,250	$464,450	$577,200
RALEIGH, NC
WARREN	$275,665	$352,950	$426,625	$530,150
NON-METRO
WASHINGTON	$275,665	$352,950	$426,625	$530,150
NON-METRO
WATAUGA	$275,665	$352,950	$426,625	$530,150
BOONE, NC
WAYNE	$275,665	$352,950	$426,625	$530,150
GOLDSBORO, NC
WILKES	$275,665	$352,950	$426,625	$530,150
NORTH WILKESBORO, NC
WILSON	$275,665	$352,950	$426,625	$530,150
WILSON, NC
YADKIN	$275,665	$352,950	$426,625	$530,150
WINSTON-SALEM, NC
YANCEY	$275,665	$352,950	$426,625	$530,150
NON-METRO

FHA Loan Information

The FHA does not lend money. The FHA (Federal Housing Administration) is part of HUD & backs individual Approved Lenders.

Note: We are not affiliated with the Federal Housing Administration, the Department of Housing and Urban Development, or any other government agency. We are an FHA Educational Resource.

Our goal is to help you find the best FHA Approved Lender who can help you secure home financing.

When you fill in our short application we will provide your information to one, (and only one!) FHA Approved Lender who can help you based upon many factors, including your Credit Score, your State Location, and the Type of Loan you apply for

Read more

FHA News & Information

Thirty-year fixed, 15-year fixed and 5/1 ARM rates were all lower today, according to a survey of current mortgage rates published by National Lenders Thursday morning. (2/2/17)
FHA Home Loan: A Smart Choice When Rates Are Rising. As people watch mortgage interest rates move upward, they might be wondering whether there is a mortgage out there for them. The FHA home loan could be something to look into, depending on one�s savings, credit score, income and future needs. (2/27/17)
HUD suspends FHA mortgage insurance premium cut. The FHA will issue a subsequent Mortgagee Letter at a later date should this policy change (01/27/17).

FHA Home Loans North Carolina

North Carolina FHA Lending Limits 2017

FHA Loan Information

FHA News & Information

FHA Loans North Carolina

FHA NORTH CAROLINA