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: 09/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,200 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.876 Points$2,803 Points Fee
$2,803 Total Fees$0 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.981% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.807 Points$2,582 Points Fee
$3,677 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.903 Points$2,890 Points Fee
$2,890 Total Fees$0 Lender Fees
 30 Years Fixed
6.114% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.971 Points$3,107 Points Fee
$4,282 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.119% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.785 Points$2,512 Points Fee
$4,507 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.173% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.513 Points$1,642 Points Fee
$1,642 Total Fees$0 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.726 Points$2,323 Points Fee
$3,651 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.869 Points$2,781 Points Fee
$3,481 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
As low as 0% down options & down payment assistance
Every Mortgage Includes Free Home Price Protection
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.742 Points$2,374 Points Fee
$2,374 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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