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: 11/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.604% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.808 Points$2,586 Points Fee
$3,681 Total Fees$1,095 Lender Fees
 5 Years ARM
5.637% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.932 Points$2,982 Points Fee
$4,972 Total Fees$1,990 Lender Fees
 5 Years ARM
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.870 Points$2,784 Points Fee
$3,834 Total Fees$1,050 Lender Fees
 5 Years ARM
5.994% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.941 Points$3,011 Points Fee
$4,221 Total Fees$1,210 Lender Fees
 5 Years ARM
6.080% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.969 Points$3,101 Points Fee
$3,101 Total Fees$0 Lender Fees
 5 Years ARM
6.692% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 5 Years ARM
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5.571% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.782 Points$2,502 Points Fee
$2,502 Total Fees$0 Lender Fees
 5 Years ARM
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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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