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: 04/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.802 Points$2,566 Points Fee
$2,566 Total Fees$0 Lender Fees
 30 Years Fixed
5.974% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$7,850 Total Fees$4,650 Lender Fees
 30 Years Fixed
5.978% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.489 Points$1,565 Points Fee
$3,560 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.007% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.994 Points$3,181 Points Fee
$4,576 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.079% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.583 Points$1,866 Points Fee
$3,061 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.087% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,995 Total Fees$995 Lender Fees
 30 Years Fixed
6.089% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,050 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.109% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.656 Points$2,099 Points Fee
$4,099 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.112% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.115% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.900 Points$2,880 Points Fee
$3,975 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.118% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.701 Points$2,243 Points Fee
$8,443 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.157% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.852 Points$2,726 Points Fee
$5,573 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.211% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.608 Points$1,946 Points Fee
$3,182 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.306% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.311% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.647 Points$2,070 Points Fee
$2,070 Total Fees$0 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.890 Points$2,848 Points Fee
$4,175 Total Fees$1,327 Lender Fees
 30 Years Fixed
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
6.063% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.787 Points$2,518 Points Fee
$2,518 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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