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: 07/31/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.331% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,730 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.725 Points$2,320 Points Fee
$3,320 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.445% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.738 Points$2,362 Points Fee
$2,362 Total Fees$0 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.901 Points$2,883 Points Fee
$3,978 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.502% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.895 Points$2,864 Points Fee
$4,259 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.580% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.935 Points$2,992 Points Fee
$2,992 Total Fees$0 Lender Fees
 30 Years Fixed
6.586% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.789 Points$2,525 Points Fee
$3,225 Total Fees$700 Lender Fees
 30 Years Fixed
6.606% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.838 Points$2,682 Points Fee
$3,857 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.610% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.660 Points$2,112 Points Fee
$3,999 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.626% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.944 Points$3,021 Points Fee
$4,348 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.681% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.581 Points$1,859 Points Fee
$1,859 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
PenFed membership is open to everyone, including you.
0% down payment USDA Loan options
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
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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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