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: 02/03/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.854% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.507 Points$1,622 Points Fee
$3,617 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.867% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.842 Points$2,694 Points Fee
$4,089 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.899% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$5,290 Total Fees$2,090 Lender Fees
 30 Years Fixed
5.954% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.859 Points$2,749 Points Fee
$2,749 Total Fees$0 Lender Fees
 30 Years Fixed
5.963% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,050 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.963% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.955 Points$3,056 Points Fee
$3,056 Total Fees$0 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.818 Points$2,618 Points Fee
$3,713 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.924 Points$2,957 Points Fee
$3,952 Total Fees$995 Lender Fees
 30 Years Fixed
5.993% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.939 Points$3,005 Points Fee
$4,193 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.014% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.994 Points$3,181 Points Fee
$4,963 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.025% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.201% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.214% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
6.268% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.900 Points$2,880 Points Fee
$4,880 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.330% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.949 Points$3,037 Points Fee
$3,037 Total Fees$0 Lender Fees
 30 Years Fixed
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5.933% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$2,000 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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