Current Mortgage Rates in Raleigh, NC
Contact us for a personalized rate quote based on your specific situation.
Important: Rates and terms are subject to change without notice. Your actual rate depends on credit score, loan amount, down payment, and property type. Call for personalized quote.
| Loan Type | Rate Range | APR Range |
|---|---|---|
| 30-Year Fixed | Personalized quote | Personalized quote |
| 15-Year Fixed | Personalized quote | Personalized quote |
| VA Loan | Personalized quote | Personalized quote |
| FHA Loan | Personalized quote | Personalized quote |
| Jumbo Loan | Personalized quote | Personalized quote |
Factors That Affect Your Mortgage Rate
- Credit Score: Higher scores (740+) qualify for the best rates
- Down Payment: 20% or more typically gets better rates
- Loan Type: Conventional, FHA, VA, and USDA have different rate structures
- Property Type: Single-family homes usually have lower rates than condos
- Loan Amount: Jumbo loans typically have slightly higher rates
How to Lock Your Rate
Once you're pre-approved, you can lock your rate for 30-60 days. This protects you if rates rise while you're house hunting. Call us today to discuss rate lock options.