Notice: We are not currently offering home equity products in North Carolina.View states where we are licensed.
North Carolina HELOC & Home Equity Loans
Access your home's equity with competitive rates for North Carolina homeowners. Serving Charlotte, Raleigh, Greensboro, and communities across the Tar Heel State.
Current North Carolina Rates
Competitive rates for NC homeowners - Updated daily
HELOC Rates
Variable rate, interest-only payments during draw period
- Credit lines up to $500,000
- 10-year draw period
- Interest-only payments available
Home Equity Loan
Fixed rate with predictable monthly payments
- Loans up to $400,000
- Fixed monthly payments
- Rate locked for life of loan
North Carolina Housing Market Insights
Charlotte Metro
Raleigh-Durham
Greensboro-Winston
North Carolina Home Equity Regulations
Consumer Protection Standards
North Carolina enforces strict consumer protections under the Home Equity Act, requiring comprehensive disclosures and cooling-off periods for borrower protection.
Key Regulatory Features
Loan Limits & Standards
- Maximum 80% loan-to-value ratio
- Primary residence requirement
- Comprehensive income verification
- Property appraisal required
Consumer Protections
- 3-day right of rescission
- High-cost loan protections
- Anti-flipping provisions
- Mandatory counseling for high-cost loans
Important Disclosure
Under North Carolina's Home Equity Act, borrowers receive enhanced protections including mandatory waiting periods and detailed fee disclosures. Our loan terms comply with all state regulations and federal truth-in-lending requirements.
North Carolina Communities We Serve
Major Cities
- Charlotte
- Raleigh
- Greensboro
- Durham
- Winston-Salem
- Fayetteville
- Cary
- Wilmington
Charlotte Metro
- Gastonia
- Concord
- Huntersville
- Matthews
- Mint Hill
- Cornelius
- Pineville
- Monroe
Triangle Area
- Chapel Hill
- Apex
- Morrisville
- Holly Springs
- Garner
- Wake Forest
- Fuquay-Varina
- Clayton
Other Areas
- Asheville
- High Point
- Jacksonville
- Greenville
- Hickory
- Kannapolis
- Goldsboro
- Salisbury
Licensed to serve all 100 North Carolina counties
Get Started TodayWhy North Carolina Homeowners Choose Us
Licensed & Compliant
Fully licensed in North Carolina with complete compliance to state Home Equity Act requirements and consumer protection standards.
Market Expertise
Deep understanding of North Carolina's diverse markets from Charlotte's banking hub to Raleigh's tech triangle.
Fast Processing
Streamlined application process with quick approvals while maintaining full compliance with NC regulations.
Competitive Rates
Market-leading rates for North Carolina borrowers with transparent pricing and no hidden fees.
Local Support
Dedicated support team familiar with NC markets and regulations, available throughout your loan process.
Flexible Options
Multiple product options including HELOCs and fixed-rate home equity loans to meet diverse financial needs.
Simple Application Process for NC Residents
1. Apply Online
Complete our secure online application in minutes with NC-specific documentation requirements.
2. Quick Review
Our team reviews your application with full compliance to North Carolina lending regulations.
3. Get Approved
Receive approval and access your funds with all required NC consumer protection periods observed.
North Carolina HELOC & Home Equity FAQ
What are the specific requirements for a home equity loan in North Carolina?
North Carolina requires the property to be your primary residence, limits loans to 80% loan-to-value ratio, requires comprehensive income verification, and mandates compliance with the state's Home Equity Act including waiting periods and detailed disclosures.
How do North Carolina's home equity laws protect borrowers?
North Carolina's Home Equity Act provides strong consumer protections including a 3-day right of rescission, restrictions on high-cost loans, anti-flipping provisions, and mandatory counseling requirements for certain loan types. These protections ensure borrowers have time to consider their decision and understand loan terms.
What's the difference between Charlotte, Raleigh, and other NC market rates?
While our rates are consistent statewide, loan amounts may vary based on local home values. Charlotte and Raleigh metros typically support higher loan amounts due to elevated property values, while maintaining the same competitive rate structure throughout North Carolina.
How long does the approval process take in North Carolina?
Our typical approval process takes 7-14 business days, including time for property appraisal and compliance with North Carolina's regulatory requirements. The mandatory 3-day rescission period begins after loan approval, ensuring you have adequate time to review all terms before proceeding.
Can I use a North Carolina HELOC for investment property or second homes?
North Carolina's Home Equity Act specifically requires the property to be your primary residence. HELOCs and home equity loans under this law cannot be used for investment properties or second homes. Alternative financing options may be available for non-primary residences.