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: 09/15/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.828% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.525 Points$1,680 Points Fee
$2,730 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.921% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$1,725 Total Fees$125 Lender Fees
 30 Years Fixed
5.974% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.851 Points$2,723 Points Fee
$3,423 Total Fees$700 Lender Fees
 30 Years Fixed
6.081% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.978 Points$3,130 Points Fee
$3,130 Total Fees$0 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
Every Mortgage Includes Free Home Price Protection
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
Numbers you can trust
As low as 0% down options & down payment assistance
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5.802% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.570 Points$1,824 Points Fee
$1,824 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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