Compare Today’s Refinance Rates for Oak Island, North Carolina 28465
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Oak Island, North Carolina 28465.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Oak Island, North Carolina 28465. For 30-year amortization refinancing, you can expect lifetime cash savings of $8,379 or $23 per month in Oak Island and other parts of Brunswick county.
Summary of Average Refinances in Oak Island, North Carolina 28465
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Interactive Refinance Rate Projections for Oak Island, North Carolina 28465
Pureloan has developed an interactive chart to monitor the five largest local lenders in Oak Island, NC 28465, 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 Oak Island, North Carolina 28465 from 2024 - 2016
The following historical data provides insights into refinancing trends in Oak Island, North Carolina and the surrounding Brunswick 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 | 85.94% | 59.56% | 63.17% | 63.07% | 67.19% | 65.88% | 58.33% | 64.23% | 59.77% |
| avg refi rate | 6.39% | 3.53% | 2.99% | 3.26% | 4.12% | 4.52% | 4.09% | 3.87% | 4.05% |
| % 15 year fixed refinance | 9.38% | 25.62% | 23.40% | 24.48% | 23.66% | 24.71% | 33.17% | 25.09% | 30.60% |
| avg refi rate | 5.58% | 2.81% | 2.46% | 2.79% | 3.59% | 3.82% | 3.30% | 3.15% | 3.29% |
| Avg credit score | 762.66 | 774.29 | 762.90 | 768.71 | 761.12 | 757.68 | 756.89 | 762.61 | 765.54 |
| Avg LTV (loan to value) | 56.08% | 57.49% | 62.47% | 67.55% | 67.96% | 67.14% | 68.08% | 70.88% | 70.09% |
| Avg DTI (debt to income) | 37.14 | 33.26 | 32.50 | 31.73 | 33.36 | 34.59 | 34.24 | 32.67 | 32.34 |
| Avg refinance insurance % | 1.05% | 0.85% | 1.82% | 3.55% | 4.16% | 3.23% | 3.49% | 4.52% | 4.27% |
Best Refinance Brokers around Oak Island, North Carolina 28465
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Oak Island, North Carolina 28465, we have compiled a list of top refinance brokers to assist you in the process.
Lindsey Cartee
Mortgage Loan Officer
8905 E Oak Island Dr�
Oak Island, NC 28465
(910) 457-1414
lcartee@bbandt.com
Douglas Pratt
Mortgage Broker
5043 Main St
Shallotte, NC 28465
(910) 754-3985
doug.pratt@firstcitizens.com
Josh Benton
Loan Officer
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC 28465
(910) 418-4609
josh@ovmfinancial.com
Bob Moyer
Loan Officer
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC 28465
(910) 418-4609
bob@ovmfinancial.com
Sylvia Nance
Loan Officer
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC 28465
(910) 418-4609
sylvia@ovmfinancial.com
Address
8905 E Oak Island Dr�
Oak Island, NC
Contact
(910) 457-1414
Fax (301) 639-0804
lcartee@bbandt.com
Address
5043 Main St
Shallotte, NC
Contact
(910) 754-3985
Fax (301) 639-0804
doug.pratt@firstcitizens.com
Address
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC
Contact
(910) 418-4609
Fax (301) 639-0804
josh@ovmfinancial.com