Compare Mortgage Rates

  • Refinance
  • Home Purchase
  • Home Equity
  • Debt Consolidation

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Include 1st & 2nd mortgages plus any equity loans or credit lines
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Verisign

North Carolina Mortgages at a glance

Average 25th Percentile 50th Percentile 75th Percentile
Loan Amount $178,336 $107,500 $147,500 $205,000
Property Values $241,886 $137,500 $197,500 $285,000
Average LTV 79.3%
Percent Refinance 79.1%
Pct of Refis Cashout 8.9%

North Carolina Mortgage Rates

As the slogan goes, North Carolina is "a better place to be." Whether you've been a longtime resident, or are just relocating, you can add a positive experience to your North Carolina memories by getting a great rate on your mortgage. Finding that low rate mortgage or refinance isn't necessarily straightforward. That's why Mortgageloan.com has compiled the tools you'll need to find mortgages and make responsible mortgage decisions. These tools include a terms glossary, a directory of North Carolina lenders, and dozens of mortgage calculators. Here are some essential tips to move your search in the right direction:

  • Pay attention to how payments will be applied to the debt balance on all prospective mortgages. If you don't receive an amortization schedule, ask for one, or run your own with a mortgage calculator.
  • Some mortgages offer you a lower rate, but you just end up paying more in closing costs. Use the APR to compare mortgages that have different closing costs.
  • If a mortgage has a very low payment, make sure that you understand why. It may or may not be because the interest rate is low.

Quicken Loans

4.473%APR

Rates as of: 4/18/2014 30 Yr. Fixed
  • We close our loans FAST - many in 30 days or less!
  • Rates are still historically low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
Show Phone number

Call Now: 800-695-1899

Rate APR Term Point Payment
  • 4.125%
  • 4.375%
  • 4.500%
  • 4.375%
  • 4.500%
  • 4.625%
  • 4.625%
  • 4.473%
  • 4.608%
  • 4.668%
  • 4.520%
  • 4.677%
  • 4.709%
  • 4.707%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.875%
  • 1.125%
  • 0.875%
  • 0.000%
  • 0.000%
  • 0.000%
  • $994
  • $1,024
  • $1,039
  • $1,024
  • $1,039
  • $1,054
  • $1,054

The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. More Info.. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.

Rate Map for North Carolina

What are mortgage rates like in your area? Our North Carolina Rate Map provides rate information on individual mortgage loans obtained by borrowers just like you all across the state! Each colored marker represents a single loan – click on one to get information on the mortgage rate, loan amount, loan-to-value ratio and more.

To further refine your search, you can use the list of options at left to sort results by credit score and location.

This rate map project is part of our effort to make the mortgage process more transparent for all borrowers. If you found it useful in negotiating a mortgage and would like to anonymously add your own loan information, just click on “Share Your Rate” above the map. Your fellow borrowers will thank you!

NOTE: MortgageLoan.com cannot guarantee the accuracy of the data provided as it is submitted by our visitors.

ARMs

ARMs are available in many variations, but they all share some common characteristics:

  • The loan opens with a low fixed rate, which lasts for one to 10 years.
  • After the initial rate expires, a variable rate takes effect; this rate is usually adjusted annually, and fluctuates with economic trends.
  • ARMs are used by borrowers who need a low payment now and are willing to absorb payment increases later.

Home Equity Loans

Existing homeowners can convert their home equity into cash with a home equity loan or a refinance. Home equity loans have a fixed interest rate, while refinance rates can be fixed or adjustable. Generally, the fixed rates for refinances will be lower than the rates on home equity loans. Home equity debt remains separate from the first mortgage, while a refinance creates one larger loan.

Comparing Mortgage Rates

You can find qualified brokers with a quick browse through our North Carolina broker directory. Be diligent about collecting several written offers, as that's the best strategy to find the lowest rate. Here are some suggestions to help you prepare for your lender consultations:

  • Know your budget. Use mortgage calculators to test different loans and rates.
  • Know your future plans. Consider what factors could prompt you to sell the home in the next few years, and what factors might affect your income.
  • Know the market. Refinance rates are lower than second mortgage rates, and ARM rates usually start out lower than fixed-rate mortgages (FRM) rates. Knowing how the different loan types compare makes your mortgage shopping experience much easier.

As your loan offers start rolling in, take care to evaluate them on all terms, including payment amount, amortization schedule, and total interest costs. From there, you're definitely ready to select your best option.