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.
No suitable program is found
Summary of Average Refinance Terms in Phenix City, Alabama 36870
Become a certified mortgage expert on Pureloan.com
in Phenix City, Alabama 36870
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive and Personalized Mortage Rates Analysis
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.
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