Compare Today’s Refinance Rates for Oakboro, North Carolina 28129
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Oakboro, North Carolina 28129.
With a 30-year amortization refinance in Oakboro and surrounding areas of Stanly county, our calculations show that you can expect to save up to $10,731 over the lifetime of your mortgage, or a monthly savings of $30. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Oakboro, North Carolina 28129.
Summary of Average Refinances in Oakboro, North Carolina 28129
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Interactive Refinance Rate Projections for Oakboro, North Carolina 28129
Pureloan has developed an interactive chart to monitor the five largest local lenders in Oakboro, NC 28129, 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 Oakboro, North Carolina 28129 from 2024 - 2016
The following historical data provides insights into refinancing trends in Oakboro, North Carolina and the surrounding Stanly 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 | 93.94% | 55.38% | 61.13% | 61.14% | 61.51% | 60.50% | 49.67% | 54.33% | 55.89% |
| avg refi rate | 6.27% | 3.51% | 2.95% | 3.24% | 4.08% | 4.50% | 4.09% | 3.86% | 4.08% |
| % 15 year fixed refinance | 3.03% | 26.42% | 24.18% | 23.58% | 25.08% | 25.08% | 36.80% | 33.48% | 29.75% |
| avg refi rate | 6.36% | 2.62% | 2.42% | 2.78% | 3.53% | 3.80% | 3.21% | 3.06% | 3.30% |
| Avg credit score | 746.06 | 740.78 | 752.89 | 761.17 | 754.43 | 747.45 | 747.06 | 757.12 | 756.82 |
| Avg LTV (loan to value) | 60.09% | 56.09% | 64.67% | 68.88% | 69.89% | 68.33% | 69.36% | 70.87% | 71.81% |
| Avg DTI (debt to income) | 35.06 | 32.45 | 30.78 | 30.11 | 31.38 | 32.99 | 31.95 | 30.82 | 31.41 |
| Avg refinance insurance % | 1.09% | 0.55% | 2.13% | 3.63% | 5.08% | 2.44% | 3.53% | 3.63% | 4.08% |
Best Refinance Brokers around Oakboro, North Carolina 28129
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Oakboro, North Carolina 28129, we have compiled a list of top refinance brokers to assist you in the process.
Jane McBrayer
Mortgage Loan Officer
275 N Main St
Rutherfordton, NC 28129
(828) 287-6453
jane.mcbrayer@pncmortgage.com
Erin Hooper
Mortgage Loan Officer
134 Charlotte Rd
Rutherfordton, NC 28129
(828) 248-4109
ehooper@bbandt.com
Karen Maxwell
Sr. Mortgage Banker
235 N. Washington Street
Rutherfordton, NC 28129
(828) 829-1555
karenmaxwell@atlanticbay.com
Dawn Haynes
Mortgage Banker
235 N. Washington Street
Rutherfordton, NC 28129
(828) 829-1550
dawnhaynes@atlanticbay.com
Alan Mayhew
Loan Officer
136 Bufflehead Dr
Mooresville, NC 28129
(704) 664-3611
Alan@Capitalmg.com
Address
275 N Main St
Rutherfordton, NC
Contact
(828) 287-6453
Fax (301) 639-0804
jane.mcbrayer@pncmortgage.com
Address
134 Charlotte Rd
Rutherfordton, NC
Contact
(828) 248-4109
Fax (301) 639-0804
ehooper@bbandt.com
Address
235 N. Washington Street
Rutherfordton, NC
Contact
(828) 829-1555
Fax (301) 639-0804
karenmaxwell@atlanticbay.com