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: 04/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.989% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.906 Points$2,899 Points Fee
$4,087 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.609 Points$1,949 Points Fee
$3,944 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.109% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.736 Points$2,355 Points Fee
$3,750 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.158% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.951 Points$3,043 Points Fee
$9,843 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.180% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.594 Points$1,901 Points Fee
$1,901 Total Fees$0 Lender Fees
 30 Years Fixed
6.202% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.815 Points$2,608 Points Fee
$2,608 Total Fees$0 Lender Fees
 30 Years Fixed
6.207% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.208% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.586 Points$1,875 Points Fee
$2,925 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.858 Points$2,746 Points Fee
$3,982 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.235% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.844 Points$2,701 Points Fee
$3,796 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 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
6.296% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.994 Points$3,181 Points Fee
$6,028 Total Fees$2,847 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
6.365% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.839 Points$2,685 Points Fee
$4,070 Total Fees$1,385 Lender Fees
 30 Years Fixed
6.441% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.690 Points$2,208 Points Fee
$2,208 Total Fees$0 Lender Fees
 30 Years Fixed
6.595% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.990 Points$3,168 Points Fee
$3,168 Total Fees$0 Lender Fees
 30 Years Fixed
6.619% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.883 Points$2,826 Points Fee
$4,321 Total Fees$1,495 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
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6.180% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.586 Points$1,875 Points Fee
$1,875 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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