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’re 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 2017

North Carolina Median Home Sale Price Price $180,000

 

County NameSingleDuplex3 Unit4 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