Home Refinance Loan Ratesin North Carolina

Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.

(Last Updated: 12/05/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.772% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.997 Points$3,190 Points Fee
$5,185 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.057% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.718 Points$2,298 Points Fee
$2,298 Total Fees$0 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.237% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.982 Points$3,142 Points Fee
$3,842 Total Fees$700 Lender Fees
 30 Years Fixed
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5.930% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.596 Points$1,907 Points Fee
$1,907 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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