Mortgage Rates Chapel Hill NC

Find and compare current mortgage rates in Chapel Hill NC from local mortgage lenders serving Chapel Hill and the neighboring communities. The regional local mortgage lenders in Chapel Hill offer a wide range of home loan products with low mortgage rates and costs for purchases and refinances in the area. New home loan borrowers in Chapel Hill will find competitive mortgage rates and costs on fixed rate loans, adjustable rate loans, FHA loans, VA loans, jumbo mortgage loans, and loans for first time home buyers.

The 30 year mortgage loan is the most common loan used for purchases and refinances in the Chapel Hill region. The fixed rate mortgage loans are amortized with a fixed interest rate for the life of the loan with monthly mortgage payments of principal and interest that always remain the same. The local mortgage lenders in Chapel Hill work directly in the local housing market to offer their customers the best home loan rates, with the lowest costs, and a straight forward application and approval process.

See a list of local mortgage rates in Chapel Hill from some of the leading banks and financial institutions serving the region with the following mortgage rate table.

Chapel Hill NC Mortgage Rates
Chapel Hill Mortgage Lender Mortgage Rate Points APR
Comerica Bank 30 Year Mortgage Rates
3.610 0.000 3.659
BBT Bank 30 Year Mortgage Rates
3.375 0.500 3.454
Happy State Bank 30 Year Mortgage Rates
3.625 0.000 3.685
Whitney Bank 30 Year Mortgage Rates
3.500 0.500 3.584
Cadence Bank 30 Year Mortgage Rates
3.500 0.000 3.634

Additional mortgage loan products and rates are available. A number of home loan products have easier to qualify standard, stable predictable payments, high loan to value opportunities, and lower down payment options. Special financing may be available for a number of qualified applicants include loans for rural housing and loans with reduced costs for low to moderate income families.

The lenders operating in this region of North Carolina also have very competitive refinance rates to match those mortgage rates found on the loan purchase programs. The mortgage companies in NC have several different types of mortgage refinance loans for their customer’s benefit. Existing home owners that want to obtain a cash out refinance can explore that option as well as a home equity loan or home equity line of credit to accomplish the same objective.

The mortgage loan programs and mortgage rates listed for Chapel Hill NC are subject to change. The NC mortgage rates and Annual Percentage Rates may also change depending on individual loan details, such as the points paid, loan amount, loan to value, the credit history and credit score of the borrower, property type, and occupancy.

All information is based on sources deemed reliable, but no warranty or guarantee is made as to its accuracy or completeness. Please contact the individual mortgage lenders serving this region to verify current loan rates and find out about additional details and requirements.

The highest CD rates available nationally slipped by a fraction during the first week of December, 2014.  Based on the most recent survey of bank CD rates conducted by, the average rate for the top ten best bank CDs dropped by 3/1000ths of a percent.  The average CD rate, covering all maturities in the
Federal Reserve Currency and Coin Services An important function of the Federal Reserve is ensuring that enough cash—that is, currency and coin—is in circulation to meet the public’s demand.  When Congress established the Federal Reserve, it recognized that the public’s demand for cash is variable.  This demand increases or decreases seasonally and as the level of
Bank certificate of deposit rates for the week ending November 13, 2009 were lower for all maturities with the exception of the five year term bank CD.  The greatest CD rate reductions were on the mid term, two year bank CDs with the short term rates experiencing only a mild decrease in the average interest