Home Mortgage Loan Ratesin North Carolina

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in North Carolina and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 01/01/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.737% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.900 Points$2,880 Points Fee
$3,930 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.822% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.475 Points$1,520 Points Fee
$2,520 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.836% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,000 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.846% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.428 Points$1,370 Points Fee
$3,365 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.896% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.974 Points$3,117 Points Fee
$5,117 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.936% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.658 Points$2,106 Points Fee
$2,106 Total Fees$0 Lender Fees
 30 Years Fixed
5.952% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.834 Points$2,669 Points Fee
$2,669 Total Fees$0 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.692 Points$2,214 Points Fee
$2,964 Total Fees$750 Lender Fees
 30 Years Fixed
6.045% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.000 Points$0 Points Fee
$1,887 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.086% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.537 Points$1,718 Points Fee
$3,468 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.090% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.965 Points$3,088 Points Fee
$3,088 Total Fees$0 Lender Fees
 30 Years Fixed
6.091% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.716 Points$2,291 Points Fee
$3,466 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.102% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.736 Points$2,355 Points Fee
$3,683 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.994 Points$3,181 Points Fee
$3,881 Total Fees$700 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.813% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.687 Points$2,198 Points Fee
$2,198 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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