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: 03/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.840% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.980 Points$3,136 Points Fee
$3,136 Total Fees$0 Lender Fees
 30 Years Fixed
5.886% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.867 Points$2,774 Points Fee
$4,769 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.972% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.805 Points$2,576 Points Fee
$3,371 Total Fees$795 Lender Fees
 30 Years Fixed
5.994% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.951 Points$3,043 Points Fee
$4,138 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$4,395 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.006% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.980 Points$3,136 Points Fee
$4,531 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.025% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,290 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.032% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.082% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.990 Points$3,168 Points Fee
$3,168 Total Fees$0 Lender Fees
 30 Years Fixed
6.100% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.210% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.904 Points$2,893 Points Fee
$2,893 Total Fees$0 Lender Fees
 30 Years Fixed
6.262% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.957 Points$3,062 Points Fee
$4,844 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.278% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,377 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.616% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.853 Points$2,730 Points Fee
$3,855 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.616% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.849 Points$2,717 Points Fee
$4,212 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.055% APR 6.000% Rate 30 day rate lock $1,919 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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