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: 08/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.135% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.940 Points$3,008 Points Fee
$5,003 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.342% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.850 Points$2,720 Points Fee
$3,261 Total Fees$541 Lender Fees
 30 Years Fixed
6.342% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.675 Points$2,160 Points Fee
$3,210 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.466% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.960 Points$3,072 Points Fee
$3,072 Total Fees$0 Lender Fees
 30 Years Fixed
6.476% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.717 Points$2,294 Points Fee
$3,389 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.488% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.712 Points$2,278 Points Fee
$3,907 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.491% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.818 Points$2,618 Points Fee
$3,913 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.491% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$3,895 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.977 Points$3,126 Points Fee
$3,921 Total Fees$795 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.812 Points$2,598 Points Fee
$3,993 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.495% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.915 Points$2,928 Points Fee
$4,155 Total Fees$1,227 Lender Fees
 30 Years Fixed
6.501% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.979 Points$3,133 Points Fee
$4,321 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.512% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.659 Points$2,109 Points Fee
$8,909 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.538% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.497 Points$1,590 Points Fee
$1,590 Total Fees$0 Lender Fees
 30 Years Fixed
6.554% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.580% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.522 Points$1,670 Points Fee
$2,906 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.586% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.612% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.620 Points$1,984 Points Fee
$3,884 Total Fees$1,900 Lender Fees
 30 Years Fixed
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6.428% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.559 Points$1,789 Points Fee
$1,789 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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