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North Carolina Mortgage Loans: Refinance, Home Equity, Purchase a Home

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Automated Underwriting - AUS
An AUS is a computer-driven process for determining if a loan applicant is qualified to borrow. This process can be completed within a few minutes. An AUS can return a conditional approval which informs the lender on how to proceed with the loan application. The decision is based on information provided by the applicant and is subject to later verification. Information retrieved includes information about the borrower's credit history and the subject property.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
ALAMANCE $200,160 $256,248 $256,248 $309,744
ALEXANDER $200,160 $256,248 $256,248 $309,744
ALLEGHANY $200,160 $256,248 $256,248 $309,744
ANSON $200,160 $256,248 $256,248 $309,744
ASHE $200,160 $256,248 $256,248 $309,744
AVERY $200,160 $256,248 $256,248 $309,744
BEAUFORT $200,160 $256,248 $256,248 $309,744
BERTIE $200,160 $256,248 $256,248 $309,744
BLADEN $200,160 $256,248 $256,248 $309,744
BRUNSWICK $208,950 $256,248 $256,248 $309,744
BUNCOMBE $200,160 $256,248 $256,248 $309,744
BURKE $200,160 $256,248 $256,248 $309,744
CABARRUS $200,160 $256,248 $256,248 $309,744
CALDWELL $200,160 $256,248 $256,248 $309,744
CAMDEN $200,160 $256,248 $256,248 $309,744
CARTERET $200,160 $256,248 $256,248 $309,744
CASWELL $200,160 $256,248 $256,248 $309,744
CATAWBA $200,160 $256,248 $256,248 $309,744
CHATHAM $200,160 $256,248 $256,248 $309,744
CHEROKEE $200,160 $256,248 $256,248 $309,744
CHOWAN $200,160 $256,248 $256,248 $309,744
CLAY $200,160 $256,248 $256,248 $309,744
CLEVELAND $200,160 $256,248 $256,248 $309,744
COLUMBUS $200,160 $256,248 $256,248 $309,744
CRAVEN $200,160 $256,248 $256,248 $309,744
CUMBERLAND $200,160 $256,248 $256,248 $309,744
CURRITUCK $313,500 $353,100 $353,100 $429,000
DARE $200,160 $256,248 $256,248 $309,744
DAVIDSON $200,160 $256,248 $256,248 $309,744
DAVIE $200,160 $256,248 $256,248 $309,744
DUPLIN $200,160 $256,248 $256,248 $309,744
DURHAM $200,160 $256,248 $256,248 $309,744
EDGECOMBE $200,160 $256,248 $256,248 $309,744
FORSYTH $200,160 $256,248 $256,248 $309,744
FRANKLIN $200,160 $256,248 $256,248 $309,744
GASTON $200,160 $256,248 $256,248 $309,744
GATES $200,160 $256,248 $256,248 $309,744
GRAHAM $200,160 $256,248 $256,248 $309,744
GRANVILLE $200,160 $256,248 $256,248 $309,744
GREENE $200,160 $256,248 $256,248 $309,744
GUILFORD $200,160 $256,248 $256,248 $309,744
HALIFAX $200,160 $256,248 $256,248 $309,744
HARNETT $200,160 $256,248 $256,248 $309,744
HAYWOOD $200,160 $256,248 $256,248 $309,744
HENDERSON $200,160 $256,248 $256,248 $309,744
HERTFORD $200,160 $256,248 $256,248 $309,744
HOKE $200,160 $256,248 $256,248 $309,744
HYDE $200,160 $256,248 $256,248 $309,744
IREDELL $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JOHNSTON $200,160 $256,248 $256,248 $309,744
JONES $200,160 $256,248 $256,248 $309,744
LEE $200,160 $256,248 $256,248 $309,744
LENOIR $200,160 $256,248 $256,248 $309,744
LINCOLN $200,160 $256,248 $256,248 $309,744
MACON $200,160 $256,248 $256,248 $309,744
MADISON $200,160 $256,248 $256,248 $309,744
MARTIN $200,160 $256,248 $256,248 $309,744
MCDOWELL $200,160 $256,248 $256,248 $309,744
MECKLENBURG $200,160 $256,248 $256,248 $309,744
MITCHELL $200,160 $256,248 $256,248 $309,744
MONTGOMERY $200,160 $256,248 $256,248 $309,744
MOORE $200,160 $256,248 $256,248 $309,744
NASH $200,160 $256,248 $256,248 $309,744
NEW HANOVER $208,950 $256,248 $256,248 $309,744
NORTHAMPTON $200,160 $256,248 $256,248 $309,744
ONSLOW $232,750 $262,150 $262,150 $318,500
ORANGE $200,160 $256,248 $256,248 $309,744
PAMLICO $200,160 $256,248 $256,248 $309,744
PASQUOTANK $200,160 $256,248 $256,248 $309,744
PENDER $208,950 $256,248 $256,248 $309,744
PERQUIMANS $200,160 $256,248 $256,248 $309,744
PERSON $200,160 $256,248 $256,248 $309,744
PITT $200,160 $256,248 $256,248 $309,744
POLK $200,160 $256,248 $256,248 $309,744
RANDOLPH $200,160 $256,248 $256,248 $309,744
RICHMOND $200,160 $256,248 $256,248 $309,744
ROBESON $200,160 $256,248 $256,248 $309,744
ROCKINGHAM $200,160 $256,248 $256,248 $309,744
ROWAN $200,160 $256,248 $256,248 $309,744
RUTHERFORD $200,160 $256,248 $256,248 $309,744
SAMPSON $200,160 $256,248 $256,248 $309,744
SCOTLAND $200,160 $256,248 $256,248 $309,744
STANLY $200,160 $256,248 $256,248 $309,744
STOKES $200,160 $256,248 $256,248 $309,744
SURRY $200,160 $256,248 $256,248 $309,744
SWAIN $200,160 $256,248 $256,248 $309,744
TRANSYLVANIA $200,160 $256,248 $256,248 $309,744
TYRRELL $200,160 $256,248 $256,248 $309,744
UNION $200,160 $256,248 $256,248 $309,744
VANCE $200,160 $256,248 $256,248 $309,744
WAKE $200,160 $256,248 $256,248 $309,744
WARREN $200,160 $256,248 $256,248 $309,744
WASHINGTON $200,160 $256,248 $256,248 $309,744
WATAUGA $200,160 $256,248 $256,248 $309,744
WAYNE $200,160 $256,248 $256,248 $309,744
WILKES $200,160 $256,248 $256,248 $309,744
WILSON $200,160 $256,248 $256,248 $309,744
YADKIN $200,160 $256,248 $256,248 $309,744
YANCEY $200,160 $256,248 $256,248 $309,744