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: 06/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.970% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.680 Points$2,176 Points Fee
$3,364 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.006% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.799 Points$2,557 Points Fee
$4,552 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.073% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.593 Points$1,898 Points Fee
$2,948 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.079% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$7,176 Total Fees$5,176 Lender Fees
 30 Years Fixed
6.096% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.232% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.834 Points$2,669 Points Fee
$3,905 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.674 Points$2,157 Points Fee
$3,785 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.860 Points$2,752 Points Fee
$3,752 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.828 Points$2,650 Points Fee
$3,745 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$3,895 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.246% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.524 Points$1,677 Points Fee
$8,477 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.866 Points$2,771 Points Fee
$4,166 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 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
6.318% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.724 Points$2,317 Points Fee
$2,317 Total Fees$0 Lender Fees
 30 Years Fixed
Refinance to lower your rate
Low rates, quick quote & approval
America's #1 Retail Lender (Scottsman Guide)
Refi from your sofa. It’s surprisingly simple.
6.185% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.644 Points$2,061 Points Fee
$2,061 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