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: 05/05/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.104% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.604 Points$1,933 Points Fee
$3,928 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.133% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.996 Points$3,187 Points Fee
$4,582 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.217% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.937 Points$2,998 Points Fee
$4,093 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.284% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$5,450 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.285% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.952 Points$3,046 Points Fee
$9,846 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.311% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.348 Points$1,114 Points Fee
$2,164 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.789 Points$2,525 Points Fee
$2,525 Total Fees$0 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.349% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.735 Points$2,352 Points Fee
$3,352 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.354% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.759 Points$2,429 Points Fee
$3,617 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$3,605 Total Fees$805 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.393% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.669 Points$2,141 Points Fee
$4,988 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.607 Points$1,942 Points Fee
$3,436 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.606% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.745 Points$2,384 Points Fee
$3,879 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.283% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.348 Points$1,114 Points Fee
$1,114 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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