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: 09/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.610 Points$1,952 Points Fee
$1,952 Total Fees$0 Lender Fees
 30 Years Fixed
5.938% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.717 Points$2,294 Points Fee
$2,294 Total Fees$0 Lender Fees
 30 Years Fixed
5.948% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.785 Points$2,512 Points Fee
$2,512 Total Fees$0 Lender Fees
 30 Years Fixed
5.976% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.874 Points$2,797 Points Fee
$3,497 Total Fees$700 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.941 Points$3,011 Points Fee
$3,011 Total Fees$0 Lender Fees
 30 Years Fixed
6.093% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.610 Points$1,952 Points Fee
$3,702 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$5,200 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.902 Points$2,886 Points Fee
$3,084 Total Fees$198 Lender Fees
 30 Years Fixed
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5.839% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.965 Points$3,088 Points Fee
$3,088 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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