Home Mortgage Loan Ratesin North Carolina

Planning on purchasing a new home? If you are a veteran, active duty personnel, or a reservist, VA Loans allow you to buy a home without having to make a down payment and no monthly mortgage insurance premium to pay. 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 home loan to ensure you get the best rate and pricing.

(Last Updated: 03/31/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.713% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.607 Points$1,942 Points Fee
$12,142 Total Fees$10,200 Lender Fees
 30 Years FixedVA Loan
5.956% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.999 Points$3,197 Points Fee
$7,197 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
6.101% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.586 Points$1,875 Points Fee
$7,870 Total Fees$5,995 Lender Fees
 30 Years FixedVA Loan
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
America's #1 Retail Lender (Scottsman Guide)
Numbers you can trust
5.567% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.900 Points$2,880 Points Fee
$6,880 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
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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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