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: 06/17/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.012% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.865 Points$2,768 Points Fee
$4,763 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.104% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.817 Points$2,614 Points Fee
$3,664 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.108% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.984 Points$3,149 Points Fee
$3,149 Total Fees$0 Lender Fees
 30 Years Fixed
6.225% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.658 Points$2,106 Points Fee
$3,401 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.698 Points$2,234 Points Fee
$3,862 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$3,895 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.241% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.896 Points$2,867 Points Fee
$3,962 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.951 Points$3,043 Points Fee
$4,279 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.985 Points$3,152 Points Fee
$4,152 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.253% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.600 Points$1,920 Points Fee
$8,720 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.256% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.959 Points$3,069 Points Fee
$4,464 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.798 Points$2,554 Points Fee
$2,554 Total Fees$0 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.629 Points$2,013 Points Fee
$3,033 Total Fees$1,020 Lender Fees
 30 Years Fixed
6.359% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.814 Points$2,605 Points Fee
$3,793 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.378% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.883 Points$2,826 Points Fee
$4,320 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.433% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.606 Points$1,939 Points Fee
$1,939 Total Fees$0 Lender Fees
 30 Years Fixed
6.638% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.977 Points$3,126 Points Fee
$4,621 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.206% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.862 Points$2,758 Points Fee
$2,758 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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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