Compare Today’s Refinance Rates for Hays, North Carolina

Pureloan’s engine analyzes refinance lenders to give you the best real-time home refi rates for Hays, North Carolina 28635. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing in Hays and surrounding areas of Wilkes county, your expected lifetime cash savings are $3,420 or $10 / month.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Hays, North Carolina 28635.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Hays, North Carolina 28635

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Hays, NC

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Hays, NC 28635, 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.

Local Refinance Rates for Hays, NC

Refinance Rates for Hays, North Carolina 28635 from 2013 - 2020

Below are historical data on refinancing in Hays, North Carolina and around Wilkes 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 Hays, North Carolina 28635

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Hays, North Carolina 28635, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Teresa Spencer

Loan Officer

709 E Main St

Jefferson, NC 28635

(336) 246-6405

teresa.spencer@yadkinmortgage.com

Crystal WardTaylor

Mortgage Loan Specialist

332 Morganton Blvd

Lenoir, NC 28635

(828) 758-9951

cward@carolinafc.com

G Hugunine

Loan Officer

340 Nc Highway 16 S

Taylorsville, NC 28635

(828) 632-0650

ghugunine@flahertyfunding.com

Rita Pennell

Loan Officer

562 Nc Highway 16 S

Taylorsville, NC 28635

(828) 632-8282

ritapennell@bellsouth.net

Ellen Hughes

Loan Officer

200 Linville St

Newland, NC 28635

(828) 733-9281

Ellen_Hughes@ucbi.com

Address

709 E Main St

Jefferson, NC

Contact

(336) 246-6405

Fax (301) 639-0804

teresa.spencer@yadkinmortgage.com

Address

332 Morganton Blvd

Lenoir, NC

Contact

(828) 758-9951

Fax (301) 639-0804

cward@carolinafc.com

Address

340 Nc Highway 16 S

Taylorsville, NC

Contact

(828) 632-0650

Fax (301) 639-0804

ghugunine@flahertyfunding.com

Refinancing News for Hays, North Carolina 28635