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: 03/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.882% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.815 Points$2,608 Points Fee
$4,603 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.882% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.975 Points$3,120 Points Fee
$4,610 Total Fees$1,490 Lender Fees
 30 Years Fixed
5.959% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.929 Points$2,973 Points Fee
$2,973 Total Fees$0 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.601 Points$1,923 Points Fee
$3,018 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.970% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.784 Points$2,509 Points Fee
$3,304 Total Fees$795 Lender Fees
 30 Years Fixed
5.975% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.979% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$3,690 Total Fees$2,090 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.539 Points$1,725 Points Fee
$3,725 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.830 Points$2,656 Points Fee
$4,051 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,577 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.031% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.069% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.843 Points$2,698 Points Fee
$2,698 Total Fees$0 Lender Fees
 30 Years Fixed
6.119% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.769 Points$2,461 Points Fee
$4,243 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.837 Points$2,678 Points Fee
$4,006 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.329% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.948 Points$3,034 Points Fee
$3,034 Total Fees$0 Lender Fees
 30 Years Fixed
6.499% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.948 Points$3,034 Points Fee
$4,159 Total Fees$1,125 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
Veterans: Use your VA benefit to buy with 0% down
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.803 Points$2,570 Points Fee
$2,570 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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