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: 06/14/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.244% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.660 Points$2,112 Points Fee
$4,107 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.284% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$5,450 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.881 Points$2,819 Points Fee
$2,819 Total Fees$0 Lender Fees
 30 Years Fixed
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$3,095 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.343% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.639 Points$2,045 Points Fee
$3,140 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.384% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.646 Points$2,067 Points Fee
$8,867 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.407% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.423% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.985 Points$3,152 Points Fee
$5,999 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.481% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.650 Points$2,080 Points Fee
$3,574 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.566% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.795 Points$2,544 Points Fee
$2,544 Total Fees$0 Lender Fees
 30 Years Fixed
6.584% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.987 Points$3,158 Points Fee
$3,158 Total Fees$0 Lender Fees
 30 Years Fixed
6.757% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.903 Points$2,890 Points Fee
$4,385 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.305% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.579 Points$1,853 Points Fee
$1,853 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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