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: 02/17/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.474% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.757 Points$2,422 Points Fee
$3,610 Total Fees$1,188 Lender Fees
 5 Years ARM
6.225% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.820 Points$2,624 Points Fee
$3,524 Total Fees$900 Lender Fees
 5 Years ARM
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5.080% APR 5.000% Rate 30 day rate lock $1,718 Payment per month
0.909 Points$2,909 Points Fee
$2,909 Total Fees$0 Lender Fees
 5 Years ARM
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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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