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: 07/17/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.228% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$7,976 Total Fees$5,176 Lender Fees
 30 Years Fixed
6.248% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.702 Points$2,246 Points Fee
$4,241 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.340% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.613 Points$1,962 Points Fee
$3,150 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.364% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.863 Points$2,762 Points Fee
$3,857 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.384% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.981 Points$3,139 Points Fee
$4,534 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.400% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.822 Points$2,630 Points Fee
$9,430 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.446% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.751 Points$2,403 Points Fee
$2,403 Total Fees$0 Lender Fees
 30 Years Fixed
6.452% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.461% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.901 Points$2,883 Points Fee
$2,883 Total Fees$0 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,370 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.592% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.961 Points$3,075 Points Fee
$3,075 Total Fees$0 Lender Fees
 30 Years Fixed
6.684% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.611 Points$1,955 Points Fee
$1,955 Total Fees$0 Lender Fees
 30 Years Fixed
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6.321% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.754 Points$2,413 Points Fee
$2,413 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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