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: 04/06/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.892% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.928 Points$2,970 Points Fee
$5,060 Total Fees$2,090 Lender Fees
 7 Years ARM
5.977% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.791 Points$2,531 Points Fee
$3,526 Total Fees$995 Lender Fees
 7 Years ARM
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 7 Years ARM
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 7 Years ARM
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America's #1 Retail Lender (Scottsman Guide)
5.935% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.654 Points$2,093 Points Fee
$2,093 Total Fees$0 Lender Fees
 7 Years ARM
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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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