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: 11/04/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.860% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.874% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,410 Total Fees$1,210 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.529 Points$1,693 Points Fee
$2,788 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.186% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.211% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.918 Points$2,938 Points Fee
$2,938 Total Fees$0 Lender Fees
 30 Years Fixed
6.461% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.686 Points$2,195 Points Fee
$2,895 Total Fees$700 Lender Fees
 30 Years Fixed
7.204% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.792 Points$2,534 Points Fee
$2,534 Total Fees$0 Lender Fees
 30 Years Fixed
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5.943% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.737 Points$2,358 Points Fee
$2,358 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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