Compare Today’s Refinance Rates for Smithfield, North Carolina

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Smithfield, North Carolina 27577. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Smithfield and other areas of Johnston county, expected lifetime cash savings are $4,428 or $12 / month.

For Smithfield, North Carolina 27577, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Smithfield, North Carolina 27577

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Smithfield, NC

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Smithfield, NC 27577, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Local Refinance Rates for Smithfield, NC

Refinance Rates for Smithfield, North Carolina 27577 from 2013 - 2020

Below are historical data on refinancing in Smithfield, North Carolina and around Johnston county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed refinance 54.40% 48.32% 46.47% 51.58% 59.80% 59.31% 58.12% 51.30%
avg refi rate 4.76% 4.48% 3.89% 3.73% 4.50% 4.09% 3.89% 3.94%
% 15 year fixed refinance 28.23% 29.68% 32.74% 31.15% 27.45% 21.86% 22.82% 33.07%
avg refi rate 4.19% 3.76% 3.19% 2.94% 3.55% 3.23% 3.10% 3.14%
Avg credit score 765.73 764.15 768.23 763.04 748.51 754.02 751.65 748.17
Avg LTV (loan to value) 65.04% 65.14% 66.97% 68.22% 74.08% 73.46% 73.47% 71.50%
Avg DTI (debt to income) 30.62 30.89 30.56 30.42 32.41 32.55 32.15 33.21
Avg refinance insurance % 1.38% 1.52% 2.25% 3.39% 6.38% 6.58% 5.30% 4.52%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Smithfield, North Carolina 27577

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Smithfield, North Carolina 27577, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Murray Ballance

Branch Supervisor

2850 US Hwy 70 Business East

Smithfield, NC 27577

(919) 934-9731

mballance@agcarolina.com

Richard Harris

Loan Officer

2850 US Hwy 70 Business East

Smithfield, NC 27577

(919) 934-9731

rharris@agcarolina.com

James Conley

Loan Officer

2850 US Hwy 70 Business East

Smithfield, NC 27577

(919) 934-9731

jconley@agcarolina.com

Chris Coates

Agribusiness Loan Officer

2850 US Hwy 70 Business East

Smithfield, NC 27577

(919) 934-9731

ccoates@agcarolina.com

Drew Rorex

Mortgage Loan Officer

1821 S Main St

Wake Forest, NC 27577

(919) 453-1711

arorex@bbandt.com

Address

2850 US Hwy 70 Business East

Smithfield, NC

Contact

(919) 934-9731

Fax (301) 639-0804

mballance@agcarolina.com

Address

2850 US Hwy 70 Business East

Smithfield, NC

Contact

(919) 934-9731

Fax (301) 639-0804

rharris@agcarolina.com

Address

2850 US Hwy 70 Business East

Smithfield, NC

Contact

(919) 934-9731

Fax (301) 639-0804

jconley@agcarolina.com

Refinancing News for Smithfield, North Carolina 27577