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North Carolina Reverse Mortgage Lenders

 

Top North Carolina Reverse Mortgage Lender Near You

Trusted North Carolina reverse mortgage lender. Unlock retirement cash with an FHA-insured HECM—no payments, no stress. A+ BBB rating.

Reverse Mortgage Product Options in North Carolina

 

HomeForLifeHECM
Traditional Reverse Mortgage
(Reverse Mortgage 101)		YesYes
Refinance Existing Reverse Mortgage with Another
(HECM to HECM)		YesYes
Purchase a Home with a Reverse Mortgage
(HECM for Purchase)		YesYes
Minimum Age for Eligibility in NC6262
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Reverse Mortgage Interest Rates in North Carolina

As of today, the 10-year CMT index is trading at 4.00%. Reverse mortgage interest rates adjust weekly on Tuesdays, so the next adjustment date will be Tuesday, November 4, 2025. (Updated 30 October 2025)

The projected index for next week is 4.00%, compared to this week’s index, which is 4.00%. This means that rates are projected to be between 5.75% and 6.50%.

Click to learn more about Reverse Mortgage Interest Rates (& how they affect you) →

Local Reverse Mortgage Lenders in North Carolina

Although South River Mortgage originates loans all across the country, we do maintain a local presence in North Carolina. We have a resident agent location at 176 Mine Lake Court, Suite 100, Raleigh, NC 27615. Get Your Quote →

HUD also maintains a list of local lenders. Get Your Quote →

Reverse Mortgage Loan Origination Statistics in North Carolina

We have pulled together a number of useful reverse mortgage loan statistics for NC. These loan origination statistics are put together below as a courtesy, and as such, we cannot make any guarantees about the accuracy of the information.

Note that this data was sourced from a proprietary data set, so it includes loans outside of the FHA HECM loans listed on the HECM Portfolio Snapshot.

Reverse Mortgages in North Carolina

Download the dataset (anonymized) as a CSV file

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Average Reverse Mortgage Home Values in North Carolina

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Reverse Mortgage Interest Rates in North Carolina

Download the dataset (anonymized) as a CSV file

State Regulator & Licensing in North Carolina

Make sure you are working with a licensed mortgage lender in North Carolina. South River Mortgage maintains approval with North Carolina and holds the Mortgage Lender License L-222259.

County-Specific Loan Information in North Carolina

North Carolina has 83, and each county has its own specifics. We have compiled county-by-county loan statistics and information, whether you are looking for a reverse mortgage or just curious about loan origination activity. Kindly note that this information is provided on a best-efforts basis – and while we do as much quality control work as possible – we make no guarantees to the accuracy of loan statistical information provided

Choose any county to learn more about reverse mortgages in that area:

START HERE: Get cash out with a reverse mortgage Check Eligibility ›