Compare Today’s Refinance Rates for Childersburg, Alabama 35044
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Childersburg, Alabama 35044.
With a 30-year amortization refinance in Childersburg and surrounding areas of Talladega county, our calculations show that you can expect to save up to $5,436 over the lifetime of your mortgage, or a monthly savings of $15. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Childersburg, Alabama 35044.
Summary of Average Refinances in Childersburg, Alabama 35044
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Interactive Refinance Rate Projections for Childersburg, Alabama 35044
Pureloan has developed an interactive chart to monitor the five largest local lenders in Childersburg, AL 35044, for refinancing and cash-out. The chart features historical rates, which are based on completed refinancings, and projections, which are based on proprietary modeling.
Historical Refinance Rates in Childersburg, Alabama 35044 from 2024 - 2016
The following historical data provides insights into refinancing trends in Childersburg, Alabama and the surrounding Talladega county, based on factors such as loan type, credit score, LTV, and other parameters. This data is derived from actual closed home refinancings.
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
---|---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 90.91% | 61.94% | 62.84% | 59.66% | 64.62% | 71.19% | 60.58% | 64.49% | 61.28% |
avg refi rate | 6.17% | 3.76% | 3.00% | 3.26% | 4.26% | 4.60% | 4.15% | 4.02% | 4.15% |
% 15 year fixed refinance | 22.70% | 22.01% | 24.61% | 20.22% | 23.73% | 25.73% | 26.17% | 28.20% | |
avg refi rate | 2.88% | 2.47% | 2.79% | 3.67% | 4.17% | 3.32% | 3.20% | 3.33% | |
Avg credit score | 740.09 | 731.74 | 746.83 | 754.04 | 747.62 | 742.98 | 744.73 | 749.81 | 753.51 |
Avg LTV (loan to value) | 62.05% | 65.29% | 70.84% | 74.29% | 73.25% | 74.81% | 73.41% | 76.66% | 76.26% |
Avg DTI (debt to income) | 33.77 | 32.71 | 31.12 | 30.93 | 32.73 | 32.99 | 32.17 | 31.71 | 31.30 |
Avg refinance insurance % | 1.64% | 1.37% | 3.31% | 5.37% | 5.29% | 6.66% | 5.98% | 6.89% | 8.25% |
Best Refinance Brokers around Childersburg, Alabama 35044
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Childersburg, Alabama 35044, we have compiled a list of top refinance brokers to assist you in the process.
Chasity Robertson
Lender
1710 Cherokee Ave SW
Cullman, AL 35044
(256) 255-2000
chasityr@eva-bank.com
Kerry Neighbors
Lender
1710 Cherokee Ave SW
Cullman, AL 35044
(256) 255-2000
kerryn@eva-bank.com
Lynn Day
VP/Branch Manager/ Lender
3210 Alabama Highway 157
Cullman, AL 35044
(256) 737-1655
lynnd@eva-bank.com
Aaron Box
Vice President
1501 Decatur Hwy Ste 101
Gardendale, AL 35044
(205) 631-6562
Aaron@thehutsoncompany.com
Penny Fagan
Loan Officer
20 S Main St
Arab, AL 35044
(256) 931-4622
pfagan@citizensbanktrust.com
Address
1710 Cherokee Ave SW
Cullman, AL
Contact
(256) 255-2000
Fax (301) 639-0804
chasityr@eva-bank.com
Address
1710 Cherokee Ave SW
Cullman, AL
Contact
(256) 255-2000
Fax (301) 639-0804
kerryn@eva-bank.com
Address
3210 Alabama Highway 157
Cullman, AL
Contact
(256) 737-1655
Fax (301) 639-0804
lynnd@eva-bank.com