Compare Today’s Mortgage Rates in Ladysmith, Virginia 22501
Pureloan is a mortgage search engine that finds the best mortgage rates from top mortgage lenders and major banks in Ladysmith, Virginia 22501.
After exploring all the mortgage options such as fixed-rate, ARM, FHA, VA, USDA, conventional, jumbo, and conforming home mortgages, our calculations show you can save up to $17,370 over the lifetime of your 30-year fixed loan, or a monthly savings of $48 in Ladysmith and other areas of Caroline county. Pureloan is designed to help you find the right mortgage for your financial situation with the most competitive rates available.
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Summary of Average Mortgages in Ladysmith, Virginia 22501
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Ladysmith, Virginia 22501
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Ladysmith, VA 22501. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Ladysmith, Virginia 22501 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Ladysmith, Virginia and around Caroline county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 96.39% | 95.46% | 95.68% | 95.68% | 92.53% | 89.47% | 92.81% | 93.78% | 93.80% |
| avg mortgage rate | 6.27% | 4.45% | 2.91% | 3.18% | 4.21% | 4.53% | 4.16% | 3.86% | 4.06% |
| % 15 year fixed mortgage | 3.09% | 3.77% | 3.62% | 3.88% | 5.99% | 9.11% | 6.08% | 5.61% | 5.37% |
| avg mortgage rate | 5.52% | 3.54% | 2.35% | 2.86% | 3.70% | 3.88% | 3.32% | 3.06% | 3.23% |
| Avg credit score | 762.18 | 766.89 | 766.36 | 767.23 | 771.37 | 764.25 | 758.26 | 761.79 | 761.46 |
| Avg LTV (loan to value) | 78.80% | 80.95% | 82.34% | 82.15% | 79.94% | 76.63% | 78.09% | 79.99% | 77.77% |
| Avg DTI (debt to income) | 38.99 | 37.36 | 34.97 | 34.93 | 36.55 | 36.49 | 35.81 | 35.20 | 34.91 |
| % First time homebuyer | 54.12% | 52.85% | 49.95% | 51.19% | 50.32% | 42.79% | 45.38% | 43.32% | 45.51% |
| Avg mortgage insurance % | 11.75% | 12.77% | 12.86% | 13.08% | 11.59% | 8.60% | 8.76% | 10.21% | 7.85% |
Best Mortgage Brokers around Ladysmith, Virginia 22501
For those searching for a new home in Ladysmith, we have compiled a list of the top mortgage brokers located in and around Ladysmith, Virginia 22501 to assist you with your search.
Name
Address
Contact
First Home Mortgage
4444 Germanna Hwy
Locust Grove VA 22501
(540) 412-0861
Bayfield Home Loans
395 Garrisonville Rd
Stafford VA 22501
(540) 318-6108
terri@bayfieldhomeloans.com
Beltway Mortgage Corporation
15 Gristmill Dr
Stafford VA 22501
(540) 288-0860
maureen@beltway-mortgage.com
Fast Auto Loans
253 Garrisonville Rd
Stafford VA 22501
(540) 300-7089
http://www.fastautoloansvirginiainc.com/
Loanmax Title Loans
2149 Jefferson Davis Hwy
Stafford VA 22501
(540) 657-9230
https://www.loanmaxtitleloans.net/Locations/VIRGINIA/Stafford/2149-Jefferson-Davis-Highway
Address
4444 Germanna Hwy
Locust Grove VA
Contact
(540) 412-0861
Address
395 Garrisonville Rd
Stafford VA
Contact
(540) 318-6108
terri@bayfieldhomeloans.com
Address
15 Gristmill Dr
Stafford VA
Contact
(540) 288-0860
maureen@beltway-mortgage.com