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: 11/03/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.863% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$8,027 Total Fees$5,227 Lender Fees
 30 Years Fixed
6.875% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.935% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.500 Points$1,600 Points Fee
$6,195 Total Fees$4,595 Lender Fees
 30 Years Fixed
7.000% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.875 Points$2,800 Points Fee
$4,170 Total Fees$1,370 Lender Fees
 30 Years Fixed
7.024% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.698 Points$2,234 Points Fee
$9,034 Total Fees$6,800 Lender Fees
 30 Years Fixed
7.070% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
7.076% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
7.131% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.857 Points$2,742 Points Fee
$4,236 Total Fees$1,494 Lender Fees
 30 Years Fixed
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6.948% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.740 Points$2,368 Points Fee
$2,368 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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