Compare Today’s Mortgage Rates for Spruce Pine, North Carolina

Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Spruce Pine, North Carolina 28777. Pureloan also provides a report on popular mortgage brokers in your area and a detailed analysis of your home loan payments. For a 30-year fixed loan, expected lifetime cash savings are $17,616 or $49 / month in Spruce Pine and surrounding areas of Mitchell county.

Our search engine explores all possible home mortgage options including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages for Spruce Pine, North Carolina 28777.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Mortgage Terms in Spruce Pine, North Carolina 28777

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Mortgage Rate Projections for Spruce Pine, NC

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Spruce Pine, NC 28777, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.

Local Mortgage Rates for Spruce Pine, NC

Historical Mortgage Rates for Spruce Pine, North Carolina 28777 from 2014 - 2021

We have compiled mortgage rate charts for home loans in Spruce Pine, North Carolina and around Mitchell county to help you understand trends for your home purchase process. This data is produced from actual closed loans.

2014 2015 2016 2017 2018 2019 2020 2021
% 30 year fixed mortgage 90.73% 90.58% 87.98% 90.35% 91.42% 88.96% 90.74% 90.02%
avg mortgage rate 4.93% 4.65% 3.89% 3.96% 4.43% 4.10% 3.91% 4.11%
% 15 year fixed mortgage 7.25% 6.79% 8.84% 8.31% 7.00% 8.94% 7.59% 7.75%
avg mortgage rate 4.29% 3.94% 3.17% 3.13% 3.45% 3.25% 3.08% 3.26%
Avg credit score 761.27 763.22 764.60 760.55 754.92 755.11 755.59 753.00
Avg LTV (loan to value) 74.77% 76.48% 78.79% 80.36% 81.50% 81.77% 81.89% 81.24%
Avg DTI (debt to income) 33.03 32.45 31.92 32.56 32.84 33.24 33.38 34.17
% First time homebuyer 28.06% 22.92% 25.74% 33.90% 32.00% 30.48% 29.55% 30.21%
Avg mortgage insurance % 4.28% 5.51% 8.64% 10.70% 12.12% 12.19% 12.27% 11.98%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Spruce Pine, North Carolina 28777

If you’re looking to buy a new home in Spruce Pine, we have compiled a list of the leading mortgage brokers around Spruce Pine, North Carolina 28777 to help you with your search.

Name
Address
Contact

Wells Fargo Home Mortgage

189 Oak Ave

Spruce Pine NC 28777

(828) 765-3700

http://www.wellsfargo.com/mortgage/

OneMain Financial

11805 Highway 226

Spruce Pine NC 28777

(828) 765-4503

http://branches.onemainfinancial.com/nc/spruce-pine/11805-highway-226-south.html

May Coalition

169 Locust St

Spruce Pine NC 28777

(828) 765-8880

mayloan@bellsouth.net

Onemain Financial

11805 S 226 Hwy

Spruce Pine NC 28777

(828) 765-4503

http://branches.onemainfinancial.com/nc/spruce-pine/11805-highway-226-south.html

OneMain Financial

366 Russ Ave

Waynesville NC 28777

(828) 452-0624

http://branches.onemainfinancial.com/nc/waynesville/366-russ-avenue.html

Address

189 Oak Ave

Spruce Pine NC

Contact

(828) 765-3700

http://www.wellsfargo.com/mortgage/

Address

11805 Highway 226

Spruce Pine NC

Contact

(828) 765-4503

http://branches.onemainfinancial.com/nc/spruce-pine/11805-highway-226-south.html

Address

169 Locust St

Spruce Pine NC

Contact

(828) 765-8880

mayloan@bellsouth.net

News on Mortgages and Reverse Mortgages for Spruce Pine, North Carolina 28777