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: 06/24/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.124% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.818 Points$2,618 Points Fee
$4,613 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.929 Points$2,973 Points Fee
$4,161 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.284% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$5,450 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.379% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.590 Points$1,888 Points Fee
$8,688 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.439% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.671 Points$2,147 Points Fee
$2,147 Total Fees$0 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.474% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.605 Points$1,936 Points Fee
$3,331 Total Fees$1,395 Lender Fees
 30 Years Fixed
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America's #1 Retail Lender (Scottsman Guide)
6.305% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.586 Points$1,875 Points Fee
$1,875 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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