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: 03/31/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.900 Points$2,880 Points Fee
$3,890 Total Fees$1,010 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.446% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.740 Points$2,368 Points Fee
$2,368 Total Fees$0 Lender Fees
 30 Years Fixed
6.575% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.669 Points$2,141 Points Fee
$2,841 Total Fees$700 Lender Fees
 30 Years Fixed
6.680% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.692% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.971% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.968 Points$3,098 Points Fee
$3,296 Total Fees$198 Lender Fees
 30 Years Fixed
8.194% APR 8.125% Rate 30 day rate lock $2,376 Payment per month
0.649 Points$2,077 Points Fee
$2,077 Total Fees$0 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
0% down payment USDA Loan options
Use your VA Loan Benefit to get cash from your home equity
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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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