We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN 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)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

North Carolina First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in North Carolina with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

North Carolina FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.

North Carolina FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.

North Carolina FHA Home Loan

How it works:

√ Determine the type of FHA Government Loan that best fits your needs.

√ Complete an easy 2 minute application form.

√ We will forward your application to one and only one FHA Approved Lender who can best help you based upon:

The type of loan you requested
Your down-payment (if purchase loan)
The location (State) your property is located
Your credit history
The best rate available for your loan

√ An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√ Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√ Review with no obligations your FHA Loan Pre-approval and locked rate.

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

North Carolina FHA Lending Limits 2022

North Carolina Median Home Sale Price Price $180,000

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

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

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
CHOWAN	$275,665	$352,950	$426,625	$530,150
CLAY	$275,665	$352,950	$426,625	$530,150
CLEVELAND	$275,665	$352,950	$426,625	$530,150
SHELBY, NC
COLUMBUS	$275,665	$352,950	$426,625	$530,150

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
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
GRANVILLE	$275,665	$352,950	$426,625	$530,150
OXFORD, NC
GREENE	$275,665	$352,950	$426,625	$530,150

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
HOKE	$275,665	$352,950	$426,625	$530,150
FAYETTEVILLE, NC

HYDE	$483,000	$618,300	$747,400	$928,850
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
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
MONTGOMERY	$275,665	$352,950	$426,625	$530,150
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
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
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
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
WASHINGTON	$275,665	$352,950	$426,625	$530,150
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

FHA Loan Information

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

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

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.

Read more

FHA News & Information

Last week's drop in interest rates sparked a surge in purchase mortgage application volume for the first time in over a month.

FHA Government Loans | 4301 50th St. NW | Suite 300 | Washington DC 20016

FHA Government Loans .org is a not a lender or a mortgage broker. We do not direct market by phone or email consumers. We do not provide any loans, loan modifications or foreclosure services. Note- FHA Government Loans .org is not affiliated with HUD or FHA and is not a government agency. FHA Government Loans .org is a website that provides information about mortgages and loans and does not offer loans or mortgages directly or indirectly through and representatives or agents. Any request for mortgages will be arranged by third party providers We do not direct market by phone or email towards consumers. FHA Government Loans .org is known as Mortgage Information Technologies LLC in lieu of true name, is a news and information service providing Federal Housing Authority news, content and directory information relative to mortgages and loans. We are not responsible for the accuracy of information and/or interest rates represented and we are under the assumption that all content is in accordance with the Copyright Policies of the United States of America and territories If you are suspicious of any fraudulent activities or if you have any questions Contact Us or your local HUD Agency or the Office of the Inspector General.