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
An FHA Specialist can offer you a better loan including:
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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 program.
North Carolina FHA Refinance to a Lower Rate
Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.
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 on your own.
North Carolina FHA Home Loan
How it works:
√ Determine the type of FHA Government Loan 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 base.
- 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
√ 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 2025
North Carolina Median Home Sale Price Price $390,000
| County | One Unit | Two Unit | Three Unit | Four Unit |
|---|---|---|---|---|
| ALAMANCE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ALEXANDER | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ALLEGHANY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ANSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ASHE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| AVERY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BEAUFORT | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BERTIE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BLADEN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BRUNSWICK | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BUNCOMBE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BURKE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CABARRUS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CALDWELL | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CAMDEN | $757,850 | $970,200 | $1,172,750 | $1,457,450 |
| CARTERET | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CASWELL | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CATAWBA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CHATHAM | $632,500 | $809,700 | $978,750 | $1,216,350 |
| CHEROKEE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CHOWAN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CLAY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CLEVELAND | $524,225 | $671,200 | $811,275 | $1,008,300 |
| COLUMBUS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CRAVEN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CUMBERLAND | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CURRITUCK | $757,850 | $970,200 | $1,172,750 | $1,457,450 |
| DARE | $663,550 | $849,450 | $1,026,800 | $1,276,100 |
| DAVIDSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DAVIE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DUPLIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DURHAM | $632,500 | $809,700 | $978,750 | $1,216,350 |
| EDGECOMBE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| FORSYTH | $524,225 | $671,200 | $811,275 | $1,008,300 |
| FRANKLIN | $530,150 | $678,700 | $820,350 | $1,019,550 |
| GASTON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GATES | $757,850 | $970,200 | $1,172,750 | $1,457,450 |
| GRAHAM | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GRANVILLE | $632,500 | $809,700 | $978,750 | $1,216,350 |
| GREENE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GUILFORD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HALIFAX | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HARNETT | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HAYWOOD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HENDERSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HERTFORD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HOKE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HYDE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| IREDELL | $524,225 | $671,200 | $811,275 | $1,008,300 |
| JACKSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| JOHNSTON | $530,150 | $678,700 | $820,350 | $1,019,550 |
| JONES | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LEE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LENOIR | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LINCOLN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MACON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MADISON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MARTIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MCDOWELL | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MECKLENBURG | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MITCHELL | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MONTGOMERY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MOORE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| NASH | $524,225 | $671,200 | $811,275 | $1,008,300 |
| NEW HANOVER | $524,225 | $671,200 | $811,275 | $1,008,300 |
| NORTHAMPTON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ONSLOW | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ORANGE | $632,500 | $809,700 | $978,750 | $1,216,350 |
| PAMLICO | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PASQUOTANK | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| PENDER | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PERQUIMANS | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 |
| PERSON | $632,500 | $809,700 | $978,750 | $1,216,350 |
| PITT | $524,225 | $671,200 | $811,275 | $1,008,300 |
| POLK | $524,225 | $671,200 | $811,275 | $1,008,300 |
| RANDOLPH | $524,225 | $671,200 | $811,275 | $1,008,300 |
| RICHMOND | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ROBESON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ROCKINGHAM | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ROWAN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| RUTHERFORD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SAMPSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SCOTLAND | $524,225 | $671,200 | $811,275 | $1,008,300 |
| STANLY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| STOKES | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SURRY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SWAIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| TRANSYLVANIA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| TYRRELL | $524,225 | $671,200 | $811,275 | $1,008,300 |
| UNION | $524,225 | $671,200 | $811,275 | $1,008,300 |
| VANCE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WAKE | $530,150 | $678,700 | $820,350 | $1,019,550 |
| WARREN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WASHINGTON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WATAUGA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WAYNE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WILKES | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WILSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| YADKIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| YANCEY | $524,225 | $671,200 | $811,275 | $1,008,300 |
FHA Loan Information
The FHA (Federal Housing Administration) does not lend money. The FHA is part of HUD & backs individual FHA Approved Lenders.
Our mission 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 State, the type of FHA Loan, and your Credit History.
FHA News 2025
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The FHA Weekly mortgage demand surges 11% higher, as interest rates dropped for the sixth straight week. The FHA is part of HUD & backs individual FHA Approved Lenders.
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HUD Announces Changes to FHA Multifamily Mortgage Insurance Programs Home Loan: FHA to increase individual loan proceeds available to create new or refinance existing affordable multifamily rental properties and create new or substantially rehabilitate properties that provide rental opportunities for middle-income individuals and families.
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FHA Proposes Looser Boarder Income Requirements For Qualifying Borrowers:These proposed changes include reducing the acceptable rental income history from two years to 12 months and expanding the types of acceptable income verification documentation
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Down payment assistance programs remain underutilized, despite high eligibility among borrowers:the Quarterly Report to Congress from the U.S. Department of Housing and Urban Development (HUD) on the Federal Housing Administrations Single-Family Mutual Mortgage Insurance Fund, only 58.46% of the loans the agency endorsed were originated without the borrower receiving help for a down payment,
