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: 03/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.867% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.658 Points$2,106 Points Fee
$4,101 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.020% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.073% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.892 Points$2,854 Points Fee
$2,854 Total Fees$0 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.907 Points$2,902 Points Fee
$2,902 Total Fees$0 Lender Fees
 30 Years Fixed
6.103% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.773 Points$2,474 Points Fee
$3,662 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.267% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,977 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.623% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.919 Points$2,941 Points Fee
$4,436 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.060% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.645 Points$2,064 Points Fee
$2,064 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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