Compare Today’s Refinance Rates for Laceys Spring, Alabama 35754
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Laceys Spring, Alabama 35754.
With a 30-year amortization refinance in Laceys Spring and surrounding areas of Morgan county, our calculations show that you can expect to save up to $8,407 over the lifetime of your mortgage, or a monthly savings of $23. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Laceys Spring, Alabama 35754.
Summary of Average Refinances in Laceys Spring, Alabama 35754
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Interactive Refinance Rate Projections for Laceys Spring, Alabama 35754
Pureloan has developed an interactive chart to monitor the five largest local lenders in Laceys Spring, AL 35754, 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 Laceys Spring, Alabama 35754 from 2024 - 2016
The following historical data provides insights into refinancing trends in Laceys Spring, Alabama and the surrounding Morgan 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 | 92.31% | 61.42% | 59.23% | 56.17% | 64.32% | 72.44% | 54.49% | 53.99% | 54.27% |
avg refi rate | 6.30% | 3.76% | 2.93% | 3.24% | 4.23% | 4.55% | 4.08% | 3.89% | 4.13% |
% 15 year fixed refinance | 7.69% | 23.60% | 26.11% | 27.84% | 23.00% | 20.47% | 37.64% | 31.46% | 31.66% |
avg refi rate | 5.42% | 2.71% | 2.43% | 2.75% | 3.48% | 3.92% | 3.30% | 3.03% | 3.19% |
Avg credit score | 756.77 | 741.90 | 761.68 | 758.19 | 753.05 | 739.67 | 750.64 | 755.18 | 755.33 |
Avg LTV (loan to value) | 68.15% | 62.16% | 67.68% | 72.22% | 75.22% | 75.69% | 73.17% | 73.94% | 75.84% |
Avg DTI (debt to income) | 33.31 | 30.25 | 28.58 | 28.88 | 30.75 | 33.22 | 30.26 | 29.65 | 29.78 |
Avg refinance insurance % | 5.28% | 1.04% | 2.27% | 4.07% | 7.40% | 6.85% | 5.11% | 7.03% | 6.98% |
Best Refinance Brokers around Laceys Spring, Alabama 35754
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Laceys Spring, Alabama 35754, we have compiled a list of top refinance brokers to assist you in the process.
Mark Tackett
Loan Officer
103 Spenryn Dr
Madison, AL 35754
(770) 833-4570
mtackett@platinumez.com
Ryan Blackburn
Loan Officer
103 Spenryn Dr
Madison, AL 35754
(256) 258-2404
rblackburn@platinumez.com
Eric Shine
Loan Officer
103 Spenryn Dr
Madison, AL 35754
(865) 567-2100
eshine@platinumez.com
Kymberly Gonzales
Loan Officer
103 Spenryn Dr
Madison, AL 35754
(404) 993-1153
kgonzales@platinumez.com
Charles Hart
Loan Officer
103 Spenryn Dr
Madison, AL 35754
(205) 821-0363
chart@platinumez.com
Address
103 Spenryn Dr
Madison, AL
Contact
(770) 833-4570
Fax (301) 639-0804
mtackett@platinumez.com
Address
103 Spenryn Dr
Madison, AL
Contact
(256) 258-2404
Fax (301) 639-0804
rblackburn@platinumez.com
Address
103 Spenryn Dr
Madison, AL
Contact
(865) 567-2100
Fax (301) 639-0804
eshine@platinumez.com