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: 03/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.138% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.971 Points$3,107 Points Fee
$5,102 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.239% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.983 Points$3,146 Points Fee
$3,941 Total Fees$795 Lender Fees
 30 Years Fixed
6.249% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.980 Points$3,136 Points Fee
$4,324 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.353% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.747 Points$2,390 Points Fee
$3,485 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.380% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$4,490 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.387% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.401% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.826 Points$2,643 Points Fee
$9,443 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.410% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.370 Points$1,184 Points Fee
$1,184 Total Fees$0 Lender Fees
 30 Years Fixed
6.463% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.612 Points$1,958 Points Fee
$2,953 Total Fees$995 Lender Fees
 30 Years Fixed
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.770 Points$2,464 Points Fee
$3,859 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.502% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.817 Points$2,614 Points Fee
$4,396 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.531% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$5,377 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.575% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.779 Points$2,493 Points Fee
$2,493 Total Fees$0 Lender Fees
 30 Years Fixed
6.585% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.884 Points$2,829 Points Fee
$2,829 Total Fees$0 Lender Fees
 30 Years Fixed
6.590% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 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
6.719% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.972 Points$3,110 Points Fee
$3,110 Total Fees$0 Lender Fees
 30 Years Fixed
6.851% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.568 Points$1,818 Points Fee
$3,313 Total Fees$1,495 Lender Fees
 30 Years Fixed
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America's #1 Retail Lender (Scottsman Guide)
6.313% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.664 Points$2,125 Points Fee
$2,125 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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