North Carolina Mortgage Rates and Refinance Rates

North Carolina Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in North Carolina. Our rate table has a list of North Carolina mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in North Carolina you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in North Carolina include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in North Carolina listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 27601, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # L-121400
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,962
Thank you for your inquiry! 
 
First Mortgage Direct Logo
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $361
 
 
e-Lend Logo
NMLS # 2826
State Lic # L-134009
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $896.97
Fees in APR: $2,954
Thanks for the inquiry! 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # L-103184
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,996
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
First Mortgage Direct Logo
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # L-121400
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
e-Lend Logo
NMLS # 2826
State Lic # L-134009
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $925.10
Fees in APR: None
Thanks for the inquiry! 
 
FIRST SAVINGS MORTGAGE Logo
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # L-104551
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # L-103184
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $266
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,856
 
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,702
Thanks for the inquiry! 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # L-121400
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # L-103184
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,324
Thank you for your inquiry, we will be in touch shortly. 
 
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,488
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $423
Thank you for your inquiry! 
 
Better Mortgage Inc Logo
NMLS # 330511
State Lic # L-162055
(877) 699-1832
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $708
Thank you for your quote. 
 
Republic Bank Logo
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: $795
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $865
 
 
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Bank of America
4.117%
12/12/2017
4.000%
at 0.960 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $875
 
 
Citizens Bank, NA
4.170%
12/8/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $1,073
 
 
LincolnWay Community Bank
3.920%
12/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
TD Bank, NA
3.978%
12/13/2017
3.875%
at 1.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $478
 
 
Regions Bank
4.290%
12/15/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 
Bank of Oak Ridge
4.117%
12/14/2017
4.060%
at 0.250 pts
60 day lock rate
Est payment: $961.76
Fees in APR: $853
 
 
The Fidelity Bank
4.036%
12/15/2017
4.000%
at 0.002 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $863
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





North Carolina Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of North Carolina. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

North Carolina mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell North Carolina mortgage loans that have been made. As a result, North Carolina mortgage rates today are lower than jumbo interest rates in North Carolina. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

North Carolina Super Conforming Home Loan Rates

Super conforming mortgages in North Carolina are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

North Carolina Jumbo Loan Interest Rates

North Carolina jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in North Carolina are usually 0.75 basis points higher than conforming mortgage rates in North Carolina because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

North Carolina Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in North Carolina. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

North Carolina Adjustable Interest Rates

North Carolina adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

North Carolina Interest Only Home Mortgage Rates

North Carolina interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

North Carolina FHA Mortgage Mortgage Rates

Borrowers in North Carolina must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in North Carolina are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for North Carolina Rates & Resources


Cities in North Carolina

Aberdeen

Advance

Ahoskie

Alamance

Albemarle

Albertson

Alexander

Alexis

Alliance

Almond

Altamahaw

Andrews

Angier

Ansonville

Apex

Arapahoe

Ararat

Arden

Ash

Asheboro

Asheville

Atkinson

Atlantic

Atlantic Beach

Aulander

Aurora

Autryville

Avon

Ayden

Aydlett

Badin

Bahama

Bailey

Bakersville

Balsam

Balsam Grove

Banner Elk

Barco

Barium Springs

Barnardsville

Barnesville

Bat Cave

Bath

Battleboro

Bayboro

Bear Creek

Beaufort

Belews Creek

Belhaven

Bellarthur

Belmont

Belvidere

Bennett

Benson

Bessemer City

Bethania

Bethel

Beulaville

Biscoe

Black Creek

Black Mountain

Bladenboro

Blanch

Blounts Creek

Blowing Rock

Boiling Springs

Bolivia

Bolton

Bonlee

Boomer

Boone

Boonville

Bostic

Brasstown

Brevard

Bridgeton

Broadway

Browns Summit

Brunswick

Bryson City

Buies Creek

Bullock

Bunn

Bunnlevel

Burgaw

Burlington

Burnsville

Butner

Buxton

Bynum

Calabash

Calypso

Camden

Cameron

Camp Lejeune

Candler

Candor

Canton

Caroleen

Carolina Beach

Carrboro

Carthage

Cary

Casar

Cashiers

Castalia

Castle Hayne

Catawba

Cedar Falls

Cedar Grove

Cedar Island

Cedar Mountain

Cerro Gordo

Chadbourn

Chapel Hill

Charlotte

Cherokee

Cherry Point

Cherryville

Chimney Rock

China Grove

Chinquapin

Chocowinity

Claremont

Clarendon

Clarkton

Clayton

Clemmons

Cleveland

Cliffside

Climax

Clinton

Clyde

Coats

Cofield

Coinjock

Colerain

Colfax

Collettsville

Columbia

Columbus

Comfort

Como

Concord

Conetoe

Connellys Springs

Conover

Conway

Cooleemee

Corapeake

Cordova

Cornelius

Corolla

Council

Cove City

Cramerton

Creedmoor

Creston

Creswell

Crossnore

Crouse

Crumpler

Culberson

Cullowhee

Cumberland

Cumnock

Currie

Currituck

Dallas

Dana

Danbury

Davidson

Davis

Deep Gap

Deep Run

Delco

Denton

Denver

Dillsboro

Dobson

Dover

Drexel

Dublin

Dudley

Dunn

Durants Neck

Durham

Eagle Rock

Eagle Springs

Earl

East Bend

East Flat Rock

East Spencer

Eden

Edenton

Edneyville

Edward

Efland

Elizabeth City

Elizabethtown

Elk Park

Elkin

Ellenboro

Ellerbe

Elm City

Elon College

Emerald Isle

Enfield

Engelhard

Enka

Ennice

Ernul

Erwin

Ether

Etowah

Eure

Everetts

Evergreen

Fair Bluff

Fairfield

Fairmont

Fairplains

Fairview

Faison

Faith

Falcon

Falkland

Fallston

Farmville

Fayetteville

Ferguson

Flat Rock

Fleetwood

Fletcher

Fontana Dam

Forest City

Fort Bragg

Fountain

Four Oaks

Franklin

Franklinton

Franklinville

Fremont

Frisco

Fuquay Varina

Garland

Garner

Garysburg

Gaston

Gastonia

Gates

Gatesville

Germanton

Gerton

Gibson

Gibsonville

Glade Valley

Glen Alpine

Glendale Springs

Glenville

Glenwood

Gloucester

Godwin

Gold Hill

Goldsboro

Goldston

Graham

Grandy

Granite Falls

Granite Quarry

Grantsboro

Grassy Creek

Greenmountain

Greensboro

Greenville

Grifton

Grimesland

Grover

Gulf

Gumberry

Halifax

Hallsboro

Hamilton

Hamlet

Hampstead

Hamptonville

Harbinger

Harkers Island

Harmony

Harrells

Harrellsville

Harris

Harrisburg

Hassell

Hatteras

Havelock

Haw River

Hayesville

Hays

Hazelwood

Henderson

Hendersonville

Henrico

Henrietta

Hertford

Hickory

Hiddenite

High Point

High Shoals

Highfalls

Highlands

Hildebran

Hillsborough

Hobbsville

Hobgood

Hobucken

Hoffman

Hollister

Holly Ridge

Holly Springs

Hookerton

Hope Mills

Horse Shoe

Hot Springs

Hubert

Hudson

Huntersville

Hurdle Mills

Icard

Indian Trail

Ingold

Iron Station

Ivanhoe

Jackson

Jackson Springs

Jacksonville

Jamestown

Jamesville

Jarvisburg

Jefferson

Jonas Ridge

Jonesville

Julian

Kannapolis

Kelford

Kelly

Kenansville

Kenly

Kernersville

Kill Devil Hills

King

Kings Mountain

Kinston

Kipling

Kittrell

Kitty Hawk

Knightdale

Knotts Island

Kure Beach

La Grange

Lake Junaluska

Lake Lure

Lake Toxaway

Lake Waccamaw

Lakeview

Landis

Lansing

Lattimore

Laurel Hill

Laurel Springs

Laurinburg

Lawndale

Lawsonville

Leasburg

Leicester

Leland

Lemon Springs

Lenoir

Lewiston Woodville

Lewisville

Lexington

Liberty

Lilesville

Lillington

Lincolnton

Linden

Linville

Linville Falls

Linwood

Little Switzerland

Littleton

Locust

Longwood

Louisburg

Lowell

Lowgap

Lowland

Lucama

Lumber Bridge

Lumberton

Lynn

Macclesfield

Macon

Madison

Maggie Valley

Magnolia

Maiden

Mamers

Manns Harbor

Manson

Manteo

Maple

Maple Hill

Marble

Margarettsville

Marietta

Marion

Mars Hill

Marshall

Marshallberg

Marshville

Marston

Matthews

Maury

Maxton

Mayodan

Maysville

McAdenville

Mccain

Mccutcheon Field

McFarlan

McGrady

McLeansville

Mebane

Merritt

Merry Hill

Micaville

Micro

Middleburg

Middlesex

Midland

Midway Park

Mill Spring

Millers Creek

Milton

Milwaukee

Mineral Springs

Minneapolis

Misenheimer

Mocksville

Moncure

Monroe

Montezuma

Montreat

Mooresboro

Mooresville

Moravian Falls

Morehead City

Morganton

Morrisville

Morven

Mount Airy

Mount Gilead

Mount Holly

Mount Mourne

Mount Olive

Mount Pleasant

Mount Ulla

Mountain Home

Moyock

Murfreesboro

Murphy

Nags Head

Nakina

Naples

Nashville

Nebo

New Bern

New Hill

New London

Newell

Newland

Newport

Newton

Newton Grove

Norlina

Norman

North Wilkesboro

Norwood

Oak City

Oak Island

Oak Ridge

Oakboro

Ocean Isle Beach

Ocracoke

Old Fort

Olin

Olivia

Oriental

Orrum

Otto

Oxford

Palmyra

Pantego

Parkton

Parmele

Patterson

Paw Creek

Peachland

Pelham

Pembroke

Pendleton

Penland

Penrose

Pfafftown

Pikeville

Pilot Mountain

Pine Hall

Pine Level

Pinebluff

Pinehurst

Pineola

Pinetops

Pinetown

Pineville

Piney Creek

Pink Hill

Pinnacle

Pisgah Forest

Pittsboro

Pleasant Garden

Pleasant Hill

Plumtree

Plymouth

Point Harbor

Polkton

Polkville

Pollocksville

Pope A F B

Poplar Branch

Potecasi

Powells Point

Powellsville

Princeton

Proctorville

Prospect Hill

Providence

Purlear

Raeford

Raleigh

Ramseur

Randleman

Red Oak

Red Springs

Reidsville

Rex

Rhodhiss

Rich Square

Richfield

Richlands

Ridgecrest

Ridgeway

Riegelwood

Roanoke Rapids

Roaring Gap

Roaring River

Robbins

Robbinsville

Robersonville

Rockingham

Rockwell

Rocky Mount

Rocky Point

Rodanthe

Roduco

Rolesville

Ronda

Roper

Rose Hill

Roseboro

Rosman

Rougemont

Rowland

Roxboro

Roxobel

Ruffin

Rural Hall

Rutherford College

Rutherfordton

Saint Pauls

Salemburg

Salisbury

Salter Path

Saluda

Salvo

Sandy Ridge

Sanford

Sapphire

Saratoga

Saxapahaw

Scaly Mountain

Scotland Neck

Scotts

Scottville

Scranton

Seaboard

Seagrove

Sealevel

Sedalia

Selma

Semora

Seven Springs

Severn

Shallotte

Shannon

Sharpsburg

Shawboro

Shelby

Sherrills Ford

Shiloh

Siler City

Siloam

Simpson

Sims

Skyland

Smithfield

Smyrna

Sneads Ferry

Snow Camp

Snow Hill

Sophia

South Brunswick

South Mills

Southern Pines

Southmont

Southport

Sparta

Speed

Spencer

Spindale

Spring Hope

Spring Lake

Spruce Pine

Stacy

Staley

Stanfield

Stanley

Stantonsburg

Star

State Road

Statesville

Stedman

Stella

Stem

Stokes

Stokesdale

Stoneville

Stonewall

Stony Point

Stovall

Stumpy Point

Sugar Grove

Summerfield

Sunbury

Sunset Beach

Supply

Swannanoa

Swanquarter

Swansboro

Swepsonville

Sylva

Tabor City

Tar Heel

Tarawa Terrace

Tarboro

Taylorsville

Teachey

Terrell

Thomasville

Thurmond

Tillery

Timberlake

Toast

Tobaccoville

Todd

Topton

Townsville

Traphill

Trenton

Trinity

Troutman

Troy

Tryon

Tuckasegee

Turkey

Turnersburg

Tuxedo

Tyner

Union Grove

Union Mills

Valdese

Vale

Valle Crucis

Vanceboro

Vandemere

Vass

Vaughan

Vilas

Waco

Wade

Wadesboro

Wagram

Wake Forest

Walkertown

Wallace

Wallburg

Walnut Cove

Walstonburg

Wanchese

Warne

Warrensville

Warrenton

Warsaw

Washington

Watha

Waves

Waxhaw

Waynesville

Weaverville

Webster

Welcome

Weldon

Wendell

Wentworth

West End

West Jefferson

Westfield

Whitakers

White Oak

White Plains

Whiteville

Whitsett

Whittier

Wilkesboro

Willard

Williamston

Williston

Willow Spring

Wilmington

Wilson

Wilsons Mills

Windsor

Winfall

Wingate

Winnabow

Winston Salem

Winterville

Winton

Wise

Woodland

Woodleaf

Wrightsboro

Wrightsville Beach

Yadkinville

Yanceyville

Youngsville

Zebulon

Zionville

Zirconia