Home Refinance Loan Ratesin North Carolina

Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.

(Last Updated: 01/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.705% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.538 Points$1,722 Points Fee
$2,910 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.730% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.530 Points$1,696 Points Fee
$3,691 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.863% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.802 Points$2,566 Points Fee
$3,961 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$4,090 Total Fees$2,090 Lender Fees
 30 Years Fixed
5.928% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.569 Points$1,821 Points Fee
$1,821 Total Fees$0 Lender Fees
 30 Years Fixed
5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.610 Points$1,952 Points Fee
$1,952 Total Fees$0 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.504 Points$1,613 Points Fee
$2,608 Total Fees$995 Lender Fees
 30 Years Fixed
5.951% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.481 Points$1,539 Points Fee
$2,634 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.981% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.639 Points$2,045 Points Fee
$3,827 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.013% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.250% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.708 Points$2,266 Points Fee
$4,266 Total Fees$2,000 Lender Fees
 30 Years Fixed
"Unlock Your Dream Home with Us!"
Homeowners best kept secret for cash
Refi from your sofa. It’s surprisingly simple.
Discover multiple refinance options
Use your VA Loan Benefit to get cash from your home equity
5.829% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.863 Points$2,762 Points Fee
$2,762 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in