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: 02/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.594% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.725 Points$2,320 Points Fee
$3,320 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.701% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.836 Points$2,675 Points Fee
$2,675 Total Fees$0 Lender Fees
 30 Years Fixed
5.707% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.562 Points$1,798 Points Fee
$2,893 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.739% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.803% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.578 Points$1,850 Points Fee
$1,850 Total Fees$0 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.872 Points$2,790 Points Fee
$2,790 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
America's #1 Retail Lender (Scottsman Guide)
As low as 0% down options & down payment assistance
Get home in 2026 with a 0% down VA Loan
5.580% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.882 Points$2,822 Points Fee
$2,822 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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