Compare Today’s Refinance Rates for Ocean Isle Beach, North Carolina 28469
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ocean Isle Beach, North Carolina 28469.
With a 30-year amortization refinance in Ocean Isle Beach and surrounding areas of Brunswick county, our calculations show that you can expect to save up to $18,244 over the lifetime of your mortgage, or a monthly savings of $51. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Ocean Isle Beach, North Carolina 28469.
Summary of Average Refinances in Ocean Isle Beach, North Carolina 28469
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Interactive Refinance Rate Projections for Ocean Isle Beach, North Carolina 28469
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ocean Isle Beach, NC 28469, 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 Ocean Isle Beach, North Carolina 28469 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ocean Isle Beach, 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 Ocean Isle Beach, North Carolina 28469
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ocean Isle Beach, North Carolina 28469, we have compiled a list of top refinance brokers to assist you in the process.
Dianne Mcrainey
Mortgage Loan Originators
120 Causeway Dr.
Ocean Isle, NC 28469
910
dmcrainey@localfirstbank.com
Douglas Pratt
Mortgage Broker
5043 Main St
Shallotte, NC 28469
(910) 754-3985
doug.pratt@firstcitizens.com
Josh Benton
Loan Officer
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC 28469
(910) 418-4609
josh@ovmfinancial.com
Bob Moyer
Loan Officer
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC 28469
(910) 418-4609
bob@ovmfinancial.com
Sylvia Nance
Loan Officer
1424 South J.K. Powell Blvd, Suite E,
Whiteville, NC 28469
(910) 418-4609
sylvia@ovmfinancial.com
Address
120 Causeway Dr.
Ocean Isle, NC
Contact
910
Fax (301) 639-0804
dmcrainey@localfirstbank.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