Compare Today’s Refinance Rates for Phenix City, Alabama

Pureloan’s engine analyzes refinance lenders to give you the best real-time home refi rates for Phenix City, Alabama 36870. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing in Phenix City and surrounding areas of Lee county, your expected lifetime cash savings are $6,629 or $18 / month.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Phenix City, Alabama 36870.

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Summary of Average Refinance Terms in Phenix City, Alabama 36870

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 Phenix City, AL 36870, 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 Phenix City, Alabama 36870 from 2012 - 2019

Below are historical data on refinancing in Phenix City, Alabama and around Lee 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 Phenix City, Alabama 36870

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Phenix City, Alabama 36870, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Robin Richmond

Mortgage Lenders

3548 Highway 431 North

Phenix City, AL 36870

(334) 291-3355

robin.richmond@regions.com

Kelli Tomlin

Mortgage Loan Officer

1201 Broad St�

Phenix City, AL 36870

(706) 225-5205

ktomlin@bbandt.com

Jeanine Adkins

Mortgage Banker

712 13th St

Phenix City, AL 36870

(334) 448-7410

jadkins@hamiltonmortgage.net

Wendy Nelson

Mortgage Banker

712 13th St

Phenix City, AL 36870

(334) 448-7410

wnelson@hamiltonmortgage.net

BJ Ford

Loan Officer

1321 Broad St

Phenix City, AL 36870

(334) 448-2222

bjford@georgiaplatinummortgage.com

Address

3548 Highway 431 North

Phenix City, AL

Contact

(334) 291-3355

Fax (301) 639-0804

robin.richmond@regions.com

Address

1201 Broad St�

Phenix City, AL

Contact

(706) 225-5205

Fax (301) 639-0804

ktomlin@bbandt.com

Address

712 13th St

Phenix City, AL

Contact

(334) 448-7410

Fax (301) 639-0804

jadkins@hamiltonmortgage.net

Refinancing News for Phenix City, Alabama 36870