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: 02/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.618% APR 5.490% Rate 15 day rate lock $1,815 Payment per month
0.796 Points$2,547 Points Fee
$4,542 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.672% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
1.000 Points$3,200 Points Fee
$10,744 Total Fees$7,544 Lender Fees
 30 Years Fixed
5.733% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.594 Points$1,901 Points Fee
$3,788 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.761% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$4,890 Total Fees$2,090 Lender Fees
 30 Years Fixed
5.829% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.860 Points$2,752 Points Fee
$2,752 Total Fees$0 Lender Fees
 30 Years Fixed
5.849% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.861% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.874 Points$2,797 Points Fee
$3,892 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.974 Points$3,117 Points Fee
$4,305 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.874% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,325 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.877% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.951 Points$3,043 Points Fee
$4,438 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.880% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.834 Points$2,669 Points Fee
$4,659 Total Fees$1,990 Lender Fees
 30 Years Fixed
5.920% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.485 Points$1,552 Points Fee
$1,552 Total Fees$0 Lender Fees
 30 Years Fixed
5.938% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
5.948% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.786 Points$2,515 Points Fee
$2,515 Total Fees$0 Lender Fees
 30 Years Fixed
5.955% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.559 Points$1,789 Points Fee
$2,784 Total Fees$995 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.585 Points$1,872 Points Fee
$3,654 Total Fees$1,782 Lender Fees
 30 Years Fixed
5.990% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.982 Points$3,142 Points Fee
$3,142 Total Fees$0 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.659 Points$2,109 Points Fee
$4,109 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.813% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.684 Points$2,189 Points Fee
$2,189 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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