Compare Today’s Refinance Rates for Gallant, Alabama 35972
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Gallant, Alabama 35972.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Gallant, Alabama 35972. For 30-year amortization refinancing, you can expect lifetime cash savings of $6,725 or $19 per month in Gallant and other parts of Etowah county.
Summary of Average Refinances in Gallant, Alabama 35972
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Interactive Refinance Rate Projections for Gallant, Alabama 35972
Pureloan has developed an interactive chart to monitor the five largest local lenders in Gallant, AL 35972, 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 Gallant, Alabama 35972 from 2024 - 2016
The following historical data provides insights into refinancing trends in Gallant, Alabama and the surrounding Etowah 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 Gallant, Alabama 35972
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Gallant, Alabama 35972, we have compiled a list of top refinance brokers to assist you in the process.
Freda Butler
Loan Officer
121 N. Court St Mezzanine Level
Florence , AL 35972
(256) 566-4596
fbutler@firstbankonline.com
Dale Strickland
Mortgage Banker
702C Commerce Ct
Prattville, AL 35972
(334) 365-5259
dstickland@hamiltonmortgage.net
Caleb Strickland
Mortgage Banker
702C Commerce Ct
Prattville, AL 35972
(334) 365-5259
cstrickland@hamiltonmortgage.net
Ramona Carter
Mortgage Officer
3090 Highway 14 Ste D
Millbrook, AL 35972
(334) 285-8850
rcarter@fcbcamortgage.com
Lennie Ellis
Loan Officer
4336 Us. Hwy. 231
Wetumpka, AL 35972
(334) 567-5656
LEllis@bbandt.com
Address
121 N. Court St Mezzanine Level
Florence , AL
Contact
(256) 566-4596
Fax (301) 639-0804
fbutler@firstbankonline.com
Address
702C Commerce Ct
Prattville, AL
Contact
(334) 365-5259
Fax (301) 639-0804
dstickland@hamiltonmortgage.net
Address
702C Commerce Ct
Prattville, AL
Contact
(334) 365-5259
Fax (301) 639-0804
cstrickland@hamiltonmortgage.net