Compare Today’s Refinance Rates for Daphne, Alabama
Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Daphne, Alabama 36526. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $5,129 or $14 / month in Daphne and other areas of Baldwin county.
Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Daphne, Alabama 36526.
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Summary of Average Refinance Terms in Daphne, Alabama 36526
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Interactive and Personalized Mortage Rates Analysis
For refinance rate forecasts and predictions in Daphne, AL 36526, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.
Refinance Rates for Daphne, Alabama 36526 from 2012 - 2019
Below are historical data on refinancing in Daphne, Alabama and around Baldwin county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
|---|---|---|---|---|---|---|---|---|
| % 30 year fixed refinance | 62.65% | 59.69% | 50.59% | 53.91% | 59.02% | 66.18% | 61.49% | 61.11% |
| avg refi rate | 4.84% | 4.58% | 3.91% | 3.75% | 4.44% | 4.09% | 3.95% | 4.05% |
| % 15 year fixed refinance | 26.85% | 23.47% | 31.76% | 34.38% | 33.61% | 22.71% | 25.47% | 31.94% |
| avg refi rate | 4.21% | 3.90% | 3.17% | 3.00% | 3.62% | 3.39% | 3.23% | 3.18% |
| Avg credit score | 758.89 | 753.77 | 758.48 | 758.46 | 752.42 | 749.99 | 751.98 | 749.29 |
| Avg LTV (loan to value) | 68.88% | 69.63% | 71.58% | 70.54% | 73.89% | 75.18% | 76.77% | 72.06% |
| Avg DTI (debt to income) | 30.71 | 31.83 | 29.53 | 28.98 | 31.01 | 30.52 | 32.52 | 30.57 |
| Avg refinance insurance % | 2.04% | 2.19% | 4.29% | 4.26% | 6.43% | 7.13% | 7.57% | 5.39% |
Data produced from the Financial Report of the US Government
Best Refinance Brokers Around Daphne, Alabama 36526
Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Daphne, Alabama 36526, we have compiled a list of the leading refinance brokers to guide you.
Deanna Montgomery
Loan Originator
2441 E. US Highway 377, Ste. 103
Daphne, AL 36526
(817) 295-9100
deanna.montgomery@gatewayloan.com
Sheri Little
Loan Originator
24 Professional Village Circle
Daphne, AL 36526
(843) 321-8834
sheri.little@gatewayloan.com
Jo Crozier
Branch Manager
2441 E. US Highway 377, Ste. 103
Daphne, AL 36526
(817) 295-9100
jo.crozier@gatewayloan.com
Kim Crook
Loan Originator
2603 Augusta, Ste. 100
Daphne, AL 36526
(832) 941-0166
kim.crook@gatewayloan.com
Haydee Carpy
Loan Originator
2603 Augusta, Ste. 100
Daphne, AL 36526
(832) 941-0166
haydee.carpy@gatewayloan.com
Address
2441 E. US Highway 377, Ste. 103
Daphne, AL
Contact
(817) 295-9100
Fax (301) 639-0804
deanna.montgomery@gatewayloan.com
Address
24 Professional Village Circle
Daphne, AL
Contact
(843) 321-8834
Fax (301) 639-0804
sheri.little@gatewayloan.com
Address
2441 E. US Highway 377, Ste. 103
Daphne, AL
Contact
(817) 295-9100
Fax (301) 639-0804
jo.crozier@gatewayloan.com