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: 04/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.007% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.801 Points$2,563 Points Fee
$4,558 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.088% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.613 Points$1,962 Points Fee
$3,150 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.811 Points$2,595 Points Fee
$3,990 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.158% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$5,450 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.193% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.738 Points$2,362 Points Fee
$2,362 Total Fees$0 Lender Fees
 30 Years Fixed
6.258% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.661 Points$2,115 Points Fee
$8,915 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.291% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.431 Points$1,379 Points Fee
$1,379 Total Fees$0 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.616% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.848 Points$2,714 Points Fee
$4,209 Total Fees$1,495 Lender Fees
 30 Years Fixed
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America's #1 Retail Lender (Scottsman Guide)
6.195% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.761 Points$2,435 Points Fee
$2,435 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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