Compare Today’s Refinance Rates for Valdosta, Georgia 31698
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Valdosta, Georgia 31698.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $6,725 over the lifetime of your mortgage, which translates to a monthly savings of $19 in Valdosta and other areas of Lowndes county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Valdosta, Georgia 31698
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Interactive Refinance Rate Projections for Valdosta, Georgia 31698
Pureloan has developed an interactive chart to monitor the five largest local lenders in Valdosta, GA 31698, 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 Valdosta, Georgia 31698 from 2024 - 2016
The following historical data provides insights into refinancing trends in Valdosta, Georgia and the surrounding Lowndes 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 | 90.00% | 61.52% | 51.42% | 53.11% | 61.09% | 68.94% | 56.56% | 58.42% | 61.96% |
| avg refi rate | 6.18% | 4.05% | 3.00% | 3.30% | 4.41% | 4.53% | 4.11% | 3.94% | 4.04% |
| % 15 year fixed refinance | 6.67% | 25.18% | 30.87% | 30.95% | 29.29% | 21.28% | 30.77% | 27.72% | 26.67% |
| avg refi rate | 5.62% | 2.87% | 2.48% | 2.78% | 3.73% | 4.10% | 3.40% | 3.06% | 3.21% |
| Avg credit score | 752.12 | 737.03 | 750.72 | 754.10 | 745.08 | 747.08 | 750.23 | 744.23 | 749.63 |
| Avg LTV (loan to value) | 65.33% | 65.68% | 68.28% | 70.97% | 73.27% | 73.90% | 73.24% | 75.70% | 74.14% |
| Avg DTI (debt to income) | 35.33 | 34.13 | 31.80 | 31.32 | 33.08 | 32.76 | 31.83 | 32.60 | 31.99 |
| Avg refinance insurance % | 6.02% | 2.29% | 2.82% | 4.37% | 5.24% | 6.11% | 6.04% | 6.92% | 5.64% |
Best Refinance Brokers around Valdosta, Georgia 31698
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Valdosta, Georgia 31698, we have compiled a list of top refinance brokers to assist you in the process.
Daniel Keown
Mortgage Loan Officer
106 S Patterson St
Valdosta, GA 31698
(704) 386-5972
daniel.keown@bankofamerica.com
Tara Purvis
Mortgage Loan Officer
3338 Country Club Rd. E-2
Valdosta, GA 31698
(480) 444-7100
tara.purvis@onqfinancial.com
Hollie Bailey
Mortgage Loan Officer
3338 Country Club Rd. E-2
Valdosta, GA 31698
(480) 444-7100
hollie.bailey@onqfinancial.com
Jonathon Hampton
Home Mortgage Consultant
3227 N Oak Street Ext Ste C
Valdosta, GA 31698
(229) 247-6540
jonathon.hampton@wellsfargo.com
Craig King
Home Mortgage Consultant
3227 N Oak Street Ext Ste C
Valdosta, GA 31698
(229) 247-6540
craig.king@wellsfargo.com
Address
106 S Patterson St
Valdosta, GA
Contact
(704) 386-5972
Fax (301) 639-0804
daniel.keown@bankofamerica.com
Address
3338 Country Club Rd. E-2
Valdosta, GA
Contact
(480) 444-7100
Fax (301) 639-0804
tara.purvis@onqfinancial.com
Address
3338 Country Club Rd. E-2
Valdosta, GA
Contact
(480) 444-7100
Fax (301) 639-0804
hollie.bailey@onqfinancial.com