Compare Today’s Refinance Rates for Charlotte, North Carolina

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Charlotte, North Carolina 28299. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Charlotte and surrounding areas of Mecklenburg county, expected lifetime cash savings are $24,964 or $69 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Charlotte, North Carolina 28299.

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Summary of Average Refinance Terms in Charlotte, North Carolina 28299

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Charlotte, North Carolina 28299 from 2012 - 2019

Below are historical data on refinancing in Charlotte, North Carolina and around Mecklenburg county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2012 2013 2014 2015 2016 2017 2018 2019
% 30 year fixed refinance 58.94% 48.28% 48.05% 55.50% 56.80% 57.36% 55.40% 48.46%
avg refi rate 4.81% 4.51% 3.91% 3.70% 4.50% 4.06% 3.89% 3.95%
% 15 year fixed refinance 27.51% 32.11% 33.71% 31.93% 31.44% 26.89% 29.02% 34.96%
avg refi rate 4.22% 3.74% 3.22% 2.98% 3.53% 3.26% 3.07% 3.08%
% 10 year fixed refinance 2.14% 5.57% 4.57% 2.95% 2.51% 1.08% 0.86% 1.29%
avg refi rate 4.14% 3.60% 3.16% 2.88% 3.55% 3.01% 3.06% 3.03%
Avg credit score 768.10 769.35 771.07 765.85 751.88 758.14 755.64 752.79
Avg LTV (loan to value) 63.08% 64.03% 65.38% 68.14% 72.18% 73.31% 72.45% 70.15%
Avg Combined LTV (loan to value) 65.69% 66.94% 67.38% 70.22% 73.76% 74.51% 73.34% 70.92%
Avg DTI (debt to income) 30.62 30.31 30.02 29.84 32.72 31.65 31.87 32.22
Avg refinance insurance % 1.38% 2.00% 1.79% 3.36% 5.37% 5.83% 5.06% 3.64%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Charlotte, North Carolina 28299

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Charlotte, North Carolina 28299, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Nathan Wiles

Loan Officer

6115 Park South Dr. Suite 200

Charlotte, NC 28299

(888) 923-9911

nathan.wiles@wyndhamcapital.com

Matthew Vargochik

Loan Officer

6115 Park South Dr. Suite 200

Charlotte, NC 28299

(888) 923-9911

matthew.vargochik@wyndhamcapital.com

Chris Trueman

Loan Officer

6115 Park South Dr. Suite 200

Charlotte, NC 28299

(888) 923-9911

chris.trueman@wyndhamcapital.com

Daniel Toth

Loan Officer

6115 Park South Dr. Suite 200

Charlotte, NC 28299

(888) 923-9911

daniel.toth@wyndhamcapital.com

Matthew Richardson

Loan Officer

6115 Park South Dr. Suite 200

Charlotte, NC 28299

(888) 923-9911

matthew.richardson@wyndhamcapital.com

Address

6115 Park South Dr. Suite 200

Charlotte, NC

Contact

(888) 923-9911

Fax (301) 639-0804

nathan.wiles@wyndhamcapital.com

Address

6115 Park South Dr. Suite 200

Charlotte, NC

Contact

(888) 923-9911

Fax (301) 639-0804

matthew.vargochik@wyndhamcapital.com

Address

6115 Park South Dr. Suite 200

Charlotte, NC

Contact

(888) 923-9911

Fax (301) 639-0804

chris.trueman@wyndhamcapital.com

Refinancing News for Charlotte, North Carolina 28299