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: 06/17/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.127% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.858 Points$2,746 Points Fee
$4,741 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.698 Points$2,234 Points Fee
$3,862 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 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
6.286% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.958 Points$3,066 Points Fee
$9,866 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.340% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,050 Total Fees$1,050 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
6.352% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.741 Points$2,371 Points Fee
$3,466 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.359% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.814 Points$2,605 Points Fee
$3,793 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.362% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.782 Points$2,502 Points Fee
$3,797 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.378% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.883 Points$2,826 Points Fee
$4,320 Total Fees$1,494 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
6.425% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.528 Points$1,690 Points Fee
$1,690 Total Fees$0 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.677 Points$2,166 Points Fee
$2,166 Total Fees$0 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.485% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.726 Points$2,323 Points Fee
$3,718 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.571% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.839 Points$2,685 Points Fee
$2,685 Total Fees$0 Lender Fees
 30 Years Fixed
6.592% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.965 Points$3,088 Points Fee
$3,088 Total Fees$0 Lender Fees
 30 Years Fixed
6.856% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.621 Points$1,987 Points Fee
$3,482 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.294% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.461 Points$1,475 Points Fee
$1,475 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.
Family moving in