Compare Today’s Refinance Rates for Epes, Alabama 35460
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Epes, Alabama 35460.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $16,529 over the lifetime of your mortgage, which translates to a monthly savings of $46 in Epes and other areas of Sumter county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Epes, Alabama 35460
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Interactive Refinance Rate Projections for Epes, Alabama 35460
Pureloan has developed an interactive chart to monitor the five largest local lenders in Epes, AL 35460, 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 Epes, Alabama 35460 from 2024 - 2016
The following historical data provides insights into refinancing trends in Epes, Alabama and the surrounding Sumter 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 | 88.24% | 69.66% | 59.73% | 57.58% | 59.85% | 65.56% | 65.17% | 62.18% | 63.56% |
avg refi rate | 6.40% | 3.97% | 2.98% | 3.31% | 4.30% | 4.65% | 4.18% | 4.01% | 4.11% |
% 15 year fixed refinance | 8.82% | 17.42% | 25.55% | 27.04% | 25.55% | 25.56% | 29.21% | 24.37% | 26.27% |
avg refi rate | 5.54% | 3.17% | 2.44% | 2.78% | 3.78% | 3.84% | 3.42% | 3.16% | 3.37% |
Avg credit score | 732.74 | 740.43 | 745.28 | 753.51 | 751.45 | 738.66 | 740.34 | 741.42 | 743.11 |
Avg LTV (loan to value) | 68.79% | 66.94% | 69.19% | 73.56% | 72.71% | 74.30% | 71.49% | 72.91% | 74.35% |
Avg DTI (debt to income) | 32.88 | 32.49 | 31.52 | 31.25 | 32.36 | 31.97 | 32.81 | 33.03 | 32.21 |
Avg refinance insurance % | 5.26% | 3.04% | 3.28% | 5.28% | 5.85% | 5.84% | 5.52% | 5.50% | 6.73% |
Best Refinance Brokers around Epes, Alabama 35460
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Epes, Alabama 35460, we have compiled a list of top refinance brokers to assist you in the process.
Tammy Burton
MORTGAGE BANKING OFFICER
607 Highway 78 E
Jasper, AL 35460
(205) 295-0033
tburton@bankofwalkercounty.com
Karla Williams
LOAN PROCESSER
607 Highway 78 E
Jasper, AL 35460
(205) 295-0033
kwilliams@bankofwalkercounty.com
Leigh Stewart
Residential Mortgage
130 2Nd Ave Sw
Hamilton, AL 35460
lstewart@goprime.com
Jerromy Downey
Branch Manager
130 2Nd Ave Sw
Hamilton, AL 35460
(205) 495-0313
jdowney@goprime.com
Address
607 Highway 78 E
Jasper, AL
Contact
(205) 295-0033
Fax (301) 639-0804
tburton@bankofwalkercounty.com
Address
607 Highway 78 E
Jasper, AL
Contact
(205) 295-0033
Fax (301) 639-0804
kwilliams@bankofwalkercounty.com
Address
130 2Nd Ave Sw
Hamilton, AL
Contact
Fax (301) 639-0804
lstewart@goprime.com