Home Mortgage Loan Ratesin North Carolina

Planning on purchasing a new home? 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 home loan to ensure you get the best rate and pricing.

(Last Updated: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.076% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.928 Points$2,970 Points Fee
$2,970 Total Fees$0 Lender Fees
 30 Years Fixed
6.120% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.780 Points$2,496 Points Fee
$4,491 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.228% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.662 Points$2,118 Points Fee
$3,513 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.246% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.248% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.732 Points$2,342 Points Fee
$8,542 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.378% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.885 Points$2,832 Points Fee
$4,326 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
America's #1 Retail Lender (Scottsman Guide)
As low as 0% down options & down payment assistance
6.208% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.889 Points$2,845 Points Fee
$2,845 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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