$300K bal. · Raleigh$500,000 home · $300,000 balance · Raleigh, NC · 780+ · Primary
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Conventional
Conventional 30-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
7.000%7.000% APR0.0007.000%ZERO6.875%6.937% APR0.6256.937%ZERO6.750%6.861% APR1.1256.861%ZERO6.625%6.797% APR1.7506.797%ZEROConventional 15-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
6.750%6.750% APR0.0006.750%ZERO6.500%6.560% APR0.3756.560%ZERO6.250%6.409% APR1.0006.409%ZERO6.125%6.383% APR1.6256.383%ZERO6.000%6.277% APR1.7506.277%ZEROVeteran
Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.
Veteran 30-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
6.750%6.799% APR0.0006.799%ZERO6.500%6.597% APR0.5006.597%ZERO6.375%6.507% APR0.8756.507%ZERO6.250%6.442% APR1.5006.442%ZERO6.125%6.364% APR2.0006.364%ZEROVeteran 15-yr fixed rates
Fewest pointsRatePointsAPRClosingClosing costs
6.500%6.659% APR0.5006.659%ZERO6.000%6.197% APR0.7506.197%ZERO5.875%6.130% APR1.1256.130%ZERO5.750%6.084% APR1.6256.084%ZERO5.500%5.892% APR2.0005.892%ZEROFHA
FHA 30-yr fixed rates
No pointsRatePointsAPRClosingClosing costs
6.625%7.152% APR0.0007.152%ZERO6.375%6.961% APR0.6256.961%ZERO6.250%6.898% APR1.2506.898%ZERO6.125%6.847% APR2.0006.847%ZEROFHA 15-yr fixed rates
Fewest pointsRatePointsAPRClosingClosing costs
6.500%6.978% APR0.3756.978%ZERO6.125%6.620% APR0.5006.620%ZERO6.000%6.554% APR0.8756.554%ZERO5.875%6.510% APR1.3756.510%ZERO5.500%6.251% APR2.1256.251%ZEROLike one of these rates? See your full quote.
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2026 loan limits
The 2026 conforming loan limit in Wake County, NC is $832,750 for a one-unit home. The 2026 FHA loan limit in Wake County, NC is $541,287 for a one-unit home.
Loan limits are set by county. Raleigh is in Wake County.
| Units | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
2026 limits for Wake County, NC. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.
In this area
Mortgage rates near Raleigh
All North Carolina mortgage rates
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.Nearby for Raleigh· rates, refinance, loan limits & more
- Rates nearby
- Wake County mortgage ratesCary mortgage ratesFuquay-Varina mortgage ratesWake Forest mortgage ratesJohnston County mortgage ratesDurham County mortgage ratesOrange County mortgage ratesChatham County mortgage ratesFranklin County mortgage ratesPerson County mortgage rates
- Refinance
- Raleigh refinance rates