Compare Today’s Refinance Rates for Ridgecrest, North Carolina 28770
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ridgecrest, North Carolina 28770.
With a 30-year amortization refinance in Ridgecrest and surrounding areas of Buncombe county, our calculations show that you can expect to save up to $11,706 over the lifetime of your mortgage, or a monthly savings of $33. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Ridgecrest, North Carolina 28770.
Summary of Average Refinances in Ridgecrest, North Carolina 28770
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Interactive Refinance Rate Projections for Ridgecrest, North Carolina 28770
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ridgecrest, NC 28770, 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 Ridgecrest, North Carolina 28770 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ridgecrest, North Carolina and the surrounding Buncombe 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 | 95.24% | 56.22% | 65.08% | 64.76% | 71.01% | 64.02% | 56.78% | 63.35% | 61.34% |
avg refi rate | 6.65% | 3.50% | 2.95% | 3.26% | 4.13% | 4.53% | 4.04% | 3.89% | 4.05% |
% 15 year fixed refinance | 28.55% | 21.93% | 22.05% | 19.16% | 23.11% | 30.69% | 25.05% | 27.92% | |
avg refi rate | 2.72% | 2.45% | 2.81% | 3.58% | 3.77% | 3.31% | 3.13% | 3.33% | |
Avg credit score | 728.52 | 752.47 | 765.90 | 765.70 | 759.17 | 746.04 | 750.93 | 757.25 | 763.68 |
Avg LTV (loan to value) | 57.00% | 53.72% | 61.62% | 65.20% | 66.15% | 62.75% | 65.80% | 67.19% | 67.64% |
Avg DTI (debt to income) | 36.14 | 32.98 | 31.90 | 32.01 | 32.63 | 33.02 | 32.98 | 32.83 | 31.58 |
Avg refinance insurance % | 1.43% | 0.51% | 1.46% | 2.44% | 2.95% | 1.33% | 2.26% | 2.72% | 3.05% |
Best Refinance Brokers around Ridgecrest, North Carolina 28770
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ridgecrest, North Carolina 28770, we have compiled a list of top refinance brokers to assist you in the process.
Daniel Wingfield
Mortgage Banker
3420 Toringdon Way, Suite 220
Charlotte, NC 28770
(704) 560-6754
danielwingfield@atlanticbay.com
Carol Saunders
Loan Officer
1010 Merrimon Ave
Asheville, NC 28770
(828) 654-3279
carolsaunders@beverly-hanks.com
Cassandra Pavone
Loan Officer
1010 Merrimon Ave
Asheville, NC 28770
(828) 687-7275
cpavone@beverly-hanks.com
Cathy LaBruyere
Loan Officer
1010 Merrimon Ave
Asheville, NC 28770
(828) 230-4734
cathy@beverly-hanks.com
Diane D
Loan Officer
1010 Merrimon Ave
Asheville, NC 28770
(828) 210-2918
dianed@beverly-hanks.com
Address
3420 Toringdon Way, Suite 220
Charlotte, NC
Contact
(704) 560-6754
Fax (301) 639-0804
danielwingfield@atlanticbay.com
Address
1010 Merrimon Ave
Asheville, NC
Contact
(828) 654-3279
Fax (301) 639-0804
carolsaunders@beverly-hanks.com
Address
1010 Merrimon Ave
Asheville, NC
Contact
(828) 687-7275
Fax (301) 639-0804
cpavone@beverly-hanks.com