Compare Today’s Refinance Rates for Richlands, North Carolina 28574
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Richlands, North Carolina 28574.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,238 over the lifetime of your mortgage, which translates to a monthly savings of $12 in Richlands and other areas of Onslow county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Richlands, North Carolina 28574
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Interactive Refinance Rate Projections for Richlands, North Carolina 28574
Pureloan has developed an interactive chart to monitor the five largest local lenders in Richlands, NC 28574, 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 Richlands, North Carolina 28574 from 2024 - 2016
The following historical data provides insights into refinancing trends in Richlands, North Carolina and the surrounding Onslow 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 | 66.67% | 56.30% | 57.10% | 49.66% | 64.76% | 53.47% | 52.05% | 58.10% | 59.59% |
avg refi rate | 6.40% | 3.55% | 3.03% | 3.29% | 4.26% | 4.52% | 4.09% | 3.94% | 4.13% |
% 15 year fixed refinance | 22.22% | 27.51% | 28.11% | 35.31% | 20.95% | 35.42% | 36.53% | 30.63% | 29.80% |
avg refi rate | 5.34% | 2.77% | 2.53% | 2.86% | 3.59% | 3.73% | 3.29% | 3.19% | 3.34% |
Avg credit score | 741.17 | 743.32 | 755.32 | 775.61 | 755.68 | 757.58 | 761.43 | 758.39 | 760.20 |
Avg LTV (loan to value) | 52.94% | 61.36% | 65.55% | 69.09% | 71.90% | 69.44% | 68.44% | 72.33% | 70.26% |
Avg DTI (debt to income) | 36.17 | 33.18 | 31.75 | 31.18 | 33.17 | 32.61 | 32.21 | 32.05 | 31.43 |
Avg refinance insurance % | 1.67% | 1.45% | 2.48% | 4.03% | 5.79% | 2.76% | 4.00% | 4.89% | 4.33% |
Best Refinance Brokers around Richlands, North Carolina 28574
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Richlands, North Carolina 28574, we have compiled a list of top refinance brokers to assist you in the process.
G Hugunine
Loan Officer
340 Nc Highway 16 S
Taylorsville, NC 28574
(828) 632-0650
ghugunine@flahertyfunding.com
Rita Pennell
Loan Officer
562 Nc Highway 16 S
Taylorsville, NC 28574
(828) 632-8282
ritapennell@bellsouth.net
Teresa Spencer
Loan Officer
709 E Main St
Jefferson, NC 28574
(336) 246-6405
teresa.spencer@yadkinmortgage.com
Ellen Hughes
Loan Officer
200 Linville St
Newland, NC 28574
(828) 733-9281
Ellen_Hughes@ucbi.com
KAREN BALL
Home Mortgage Consultant
202 Magnolia Dr
Morganton, NC 28574
(828) 433-1188
Karen.J.Ball@wellsfargo.com
Address
340 Nc Highway 16 S
Taylorsville, NC
Contact
(828) 632-0650
Fax (301) 639-0804
ghugunine@flahertyfunding.com
Address
562 Nc Highway 16 S
Taylorsville, NC
Contact
(828) 632-8282
Fax (301) 639-0804
ritapennell@bellsouth.net
Address
709 E Main St
Jefferson, NC
Contact
(336) 246-6405
Fax (301) 639-0804
teresa.spencer@yadkinmortgage.com