Compare Today’s Refinance Rates for Laurel Springs, North Carolina 28644
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Laurel Springs, North Carolina 28644.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Laurel Springs, North Carolina 28644. For 30-year amortization refinancing, you can expect lifetime cash savings of $9,476 or $26 per month in Laurel Springs and other parts of Alleghany county.
Summary of Average Refinances in Laurel Springs, North Carolina 28644
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Interactive Refinance Rate Projections for Laurel Springs, North Carolina 28644
Pureloan has developed an interactive chart to monitor the five largest local lenders in Laurel Springs, NC 28644, 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 Laurel Springs, North Carolina 28644 from 2024 - 2016
The following historical data provides insights into refinancing trends in Laurel Springs, North Carolina and the surrounding Alleghany 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 | 88.46% | 57.87% | 56.17% | 53.79% | 58.15% | 55.08% | 52.41% | 54.22% | 53.45% |
avg refi rate | 6.40% | 3.67% | 2.99% | 3.29% | 4.25% | 4.50% | 4.09% | 3.92% | 4.08% |
% 15 year fixed refinance | 7.69% | 25.72% | 28.72% | 30.29% | 28.93% | 30.51% | 34.22% | 31.56% | 32.29% |
avg refi rate | 6.37% | 2.75% | 2.49% | 2.84% | 3.71% | 3.92% | 3.23% | 3.19% | 3.30% |
Avg credit score | 742.31 | 764.36 | 751.68 | 760.74 | 747.14 | 743.83 | 752.84 | 756.82 | 757.08 |
Avg LTV (loan to value) | 69.50% | 59.60% | 64.65% | 67.70% | 67.60% | 67.35% | 69.36% | 70.33% | 70.48% |
Avg DTI (debt to income) | 35.46 | 32.91 | 31.26 | 30.94 | 32.22 | 32.89 | 32.49 | 30.97 | 31.94 |
Avg refinance insurance % | 7.46% | 1.72% | 2.27% | 3.06% | 3.14% | 3.47% | 3.84% | 4.26% | 4.89% |
Best Refinance Brokers around Laurel Springs, North Carolina 28644
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Laurel Springs, North Carolina 28644, we have compiled a list of top refinance brokers to assist you in the process.
Teresa Spencer
Loan Officer
709 E Main St
Jefferson, NC 28644
(336) 246-6405
teresa.spencer@yadkinmortgage.com
Crystal WardTaylor
Mortgage Loan Specialist
332 Morganton Blvd
Lenoir, NC 28644
(828) 758-9951
cward@carolinafc.com
G Hugunine
Loan Officer
340 Nc Highway 16 S
Taylorsville, NC 28644
(828) 632-0650
ghugunine@flahertyfunding.com
Rita Pennell
Loan Officer
562 Nc Highway 16 S
Taylorsville, NC 28644
(828) 632-8282
ritapennell@bellsouth.net
Ellen Hughes
Loan Officer
200 Linville St
Newland, NC 28644
(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