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: 08/01/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,330 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.482% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.781 Points$2,499 Points Fee
$3,594 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.804 Points$2,573 Points Fee
$3,968 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.510% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.925 Points$2,960 Points Fee
$4,710 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.543% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.555 Points$1,776 Points Fee
$1,776 Total Fees$0 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.861 Points$2,755 Points Fee
$2,755 Total Fees$0 Lender Fees
 30 Years Fixed
6.583% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.751 Points$2,403 Points Fee
$3,103 Total Fees$700 Lender Fees
 30 Years Fixed
6.603% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.813 Points$2,602 Points Fee
$3,777 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.621% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.890 Points$2,848 Points Fee
$4,175 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
6.678% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.550 Points$1,760 Points Fee
$1,760 Total Fees$0 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
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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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