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: 08/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.237% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.572 Points$1,830 Points Fee
$3,825 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.447% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$6,776 Total Fees$5,176 Lender Fees
 30 Years Fixed
6.451% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.500 Points$1,600 Points Fee
$2,650 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.725 Points$2,320 Points Fee
$2,861 Total Fees$541 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.487% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.836 Points$2,675 Points Fee
$3,770 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.869 Points$2,781 Points Fee
$3,969 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.514% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.529% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.838 Points$2,682 Points Fee
$9,482 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.566% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.685 Points$2,192 Points Fee
$2,192 Total Fees$0 Lender Fees
 30 Years Fixed
6.578% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.598% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.713 Points$2,282 Points Fee
$3,518 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.598% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.586 Points$1,875 Points Fee
$3,270 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.609% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.992 Points$3,174 Points Fee
$3,969 Total Fees$795 Lender Fees
 30 Years Fixed
6.644% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
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6.461% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.900 Points$2,880 Points Fee
$2,880 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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