Compare Today’s Refinance Rates for Gadsden, Alabama

Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Gadsden, Alabama 35907. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $1,267 or $4 / month in Gadsden and other areas of Etowah county.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Gadsden, Alabama 35907.

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Summary of Average Refinance Terms in Gadsden, Alabama 35907

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Gadsden, AL 35907, 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 Gadsden, Alabama 35907 from 2012 - 2019

Below are historical data on refinancing in Gadsden, Alabama and around Etowah 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 56.28% 51.58% 42.72% 54.92% 59.49% 59.26% 53.29% 62.00%
avg refi rate 4.78% 4.47% 3.78% 3.73% 4.45% 4.09% 3.87% 3.98%
% 15 year fixed refinance 29.44% 37.89% 45.07% 34.09% 31.65% 26.67% 37.50% 26.00%
avg refi rate 4.20% 3.71% 3.23% 2.94% 3.49% 3.19% 3.07% 3.32%
Avg credit score 763.08 761.78 766.51 758.02 750.81 758.30 760.34 744.68
Avg LTV (loan to value) 65.16% 66.05% 68.24% 69.77% 72.24% 74.77% 73.84% 70.28%
Avg DTI (debt to income) 28.25 28.83 26.86 27.05 28.78 29.62 27.33 32.16
Avg refinance insurance % 1.76% 1.92% 3.38% 5.01% 5.68% 6.69% 6.51% 4.64%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Gadsden, Alabama 35907

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Gadsden, Alabama 35907, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Angie Cunningham

Mortgage Lenders

200 Broad St

Gadsden, AL 35907

(256) 456-9331

angie.cunningham@regions.com

Ryan Coley

Loan Officer

2331 Rainbow Dr., Space A

Gadsden, AL 35907

(256) 485-4619

rcoley@guildmortgage.com

Nicole Hurlbert

Loan Officer

2331 Rainbow Dr., Space A

Gadsden, AL 35907

(256) 504-8766

nhurlbert@guildmortgage.com

Donna Kilpatrick

Loan Officer

2331 Rainbow Dr., Space A

Gadsden, AL 35907

(256) 485-4617

dkilpatrick@guildmortgage.com

Cliff Daugherty

Loan Officer

2331 Rainbow Dr., Space A

Gadsden, AL 35907

(256) 485-4614

cdaugherty@guildmortgage.com

Address

200 Broad St

Gadsden, AL

Contact

(256) 456-9331

Fax (301) 639-0804

angie.cunningham@regions.com

Address

2331 Rainbow Dr., Space A

Gadsden, AL

Contact

(256) 485-4619

Fax (301) 639-0804

rcoley@guildmortgage.com

Address

2331 Rainbow Dr., Space A

Gadsden, AL

Contact

(256) 504-8766

Fax (301) 639-0804

nhurlbert@guildmortgage.com

Refinancing News for Gadsden, Alabama 35907