The current average 30-year fixed mortgage rate in North Carolina remained stable at 6.28%. Credit score requirements vary by type of loan and lender. Finance the perfect spot for your dream home. The North Carolina mortgage interest rate on October 6, 2022 is down 14 basis points from last week's average North Carolina rate of 6.42%. Construction loans are different from traditional loans in various ways. Conventional mortgage lenders customarily like to see a credit score of at least 620 and a debt-to-income . include the cost of major renovations in the mortgage. The best construction loan lenders can support buyers at every phase of the process and help them build the perfect home. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. We asked Peoples Bank to provide more information about their construction loan specifically. [CDATA[/* >