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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
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North Carolina Mortgage Rates

From the mountains of Asheville to the beach towns along the Outer Banks, there is a wide range of lifestyle options available across the state of North Carolina.
If you are thinking about purchasing or refinancing a home in North Carolina, the biggest question you'll need to address is what type of interest rate you can expect. In most cases, the answer to that question will be very encouraging.

Common North Carolina Loan Types:

  • North Carolina conventional mortgages: North Carolina mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
  • North Carolina FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in North Carolina on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • North Carolina VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in North Carolina through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.

North Carolina Mortgage Rates Compared to National Averages

North Carolina interest rates typically come in slightly below the national average for fixed and adjustable-rate mortgages. That means that homebuyers across the Tarheel State can obtain financing at a slight discount to what they might find in other parts of the country.
Current North Carolina residents that have accrued some equity in their homes can also benefit from North Carolina refinance rates that are usually a good deal compared to some of the more expensive parts of the country.