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: 04/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.977% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.484 Points$1,549 Points Fee
$3,544 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.072% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.629 Points$2,013 Points Fee
$2,808 Total Fees$795 Lender Fees
 30 Years Fixed
6.111% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.709 Points$2,269 Points Fee
$4,259 Total Fees$1,990 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.124% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,890 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.158% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.952 Points$3,046 Points Fee
$9,846 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.186% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.652 Points$2,086 Points Fee
$2,086 Total Fees$0 Lender Fees
 30 Years Fixed
6.229% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.781 Points$2,499 Points Fee
$3,594 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.250% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.994 Points$3,181 Points Fee
$4,369 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.251% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.906 Points$2,899 Points Fee
$4,294 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$2,805 Total Fees$805 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
6.347% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.508 Points$1,626 Points Fee
$3,408 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.444% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.726 Points$2,323 Points Fee
$2,323 Total Fees$0 Lender Fees
 30 Years Fixed
6.501% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.858 Points$2,746 Points Fee
$4,241 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.733% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.767 Points$2,454 Points Fee
$3,579 Total Fees$1,125 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
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6.198% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.773 Points$2,474 Points Fee
$2,474 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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