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: 07/31/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.862 Points$2,758 Points Fee
$2,758 Total Fees$0 Lender Fees
 30 Years Fixed
6.594% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.740 Points$2,368 Points Fee
$3,463 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.595% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.660 Points$2,112 Points Fee
$3,507 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.617% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.998 Points$3,194 Points Fee
$3,894 Total Fees$700 Lender Fees
 30 Years Fixed
6.634% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.911 Points$2,915 Points Fee
$4,803 Total Fees$1,888 Lender Fees
 30 Years Fixed
6.692% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.705% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.831 Points$2,659 Points Fee
$2,659 Total Fees$0 Lender Fees
 30 Years Fixed
6.743% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.750 Points$2,400 Points Fee
$3,894 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.963% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.893 Points$2,858 Points Fee
$3,056 Total Fees$198 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
Homeowners best kept secret for cash
We approve credit scores as low as 550 for VA and FHA refinancing
Discover multiple refinance options
Use your VA Loan Benefit to get cash from your home equity
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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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