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: 10/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
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
6.076% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.925 Points$2,960 Points Fee
$2,960 Total Fees$0 Lender Fees
 30 Years Fixed
6.088% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.818 Points$2,618 Points Fee
$3,368 Total Fees$750 Lender Fees
 30 Years Fixed
6.174% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.201% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.845 Points$2,704 Points Fee
$2,704 Total Fees$0 Lender Fees
 30 Years Fixed
6.463% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.708 Points$2,266 Points Fee
$2,966 Total Fees$700 Lender Fees
 30 Years Fixed
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5.939% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.693 Points$2,218 Points Fee
$2,218 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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