Compare Today’s Refinance Rates for Charlotte, North Carolina

Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Charlotte, North Carolina 28299. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $4,617 or $13 / month in Charlotte and other areas of Mecklenburg county.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity 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

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Charlotte, NC 28299, 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 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.

2013 2014 2015 2016 2017 2018 2019 2020
% 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%
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 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