North Carolina Refinance Rates FAQs
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Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
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Buy
Apply Now
Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
Refinance
Apply Now
Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Rates
Resources
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Products
Navigate all our loan product options and find the perfect loan for you.
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About
North Carolina
If you are a first-time home buyer in NC and need clarification on home loans or mortgage rates, Total Mortgage has the absolute solution for you. We have some of the brilliant minds in the real estate market who can find the best down payment assistance in NC for you. So, you don't have to check the NC requirements for first-time home buyers anymore—we will do that for you. We will also ensure you get the best current mortgage rates in New Carolina. Here at Total Mortgage, we believe in fulfilling dreams. And your dreams are our dreams now. So, let's plan and find the best property in North Carolina for you.
North Carolina refinance rates today
The current 30-year fixed mortgage rate is as low as 5.875%.
Get a personalized quote in just a few minutes.
Last updated: December 29th 2025, 4:30pm EST. The above rates are current as of January 3rd 2026, 3:18am EST. The table is updated twice every day with the current mortgage rates.
Mortgage rates across North Carolina
Apex Refinance RatesAsheville Refinance RatesCary Refinance RatesChapel Hill Refinance RatesCharlotte Refinance RatesClayton Refinance RatesConcord Refinance RatesDurham Refinance RatesFayetteville Refinance RatesGastonia Refinance RatesGreensboro Refinance RatesGreenville Refinance RatesHigh Point Refinance RatesJacksonville Refinance RatesMatthews Refinance RatesMooresville Refinance RatesRaleigh Refinance RatesWake Forest Refinance RatesWilmington Refinance RatesWinston Salem Refinance Rates
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Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.