Compare Today’s Refinance Rates for Spruce Pine, North Carolina

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Spruce Pine, North Carolina 28777. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Spruce Pine and other areas of Mitchell county, expected lifetime cash savings are $5,336 or $15 / month.

For Spruce Pine, North Carolina 28777, 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 Spruce Pine, North Carolina 28777

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Spruce Pine, NC

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Spruce Pine, NC 28777, 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 Spruce Pine, NC

Refinance Rates for Spruce Pine, North Carolina 28777 from 2013 - 2020

Below are historical data on refinancing in Spruce Pine, North Carolina and around Mitchell 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 58.94% 48.28% 48.05% 55.50% 56.80% 57.36% 55.40% 48.46%
avg refi rate 4.81% 4.51% 3.91% 3.70% 4.50% 4.06% 3.89% 3.95%
% 15 year fixed refinance 27.51% 32.11% 33.71% 31.93% 31.44% 26.89% 29.02% 34.96%
avg refi rate 4.22% 3.74% 3.22% 2.98% 3.53% 3.26% 3.07% 3.08%
Avg credit score 768.10 769.35 771.07 765.85 751.88 758.14 755.64 752.79
Avg LTV (loan to value) 63.08% 64.03% 65.38% 68.14% 72.18% 73.31% 72.45% 70.15%
Avg DTI (debt to income) 30.62 30.31 30.02 29.84 32.72 31.65 31.87 32.22
Avg refinance insurance % 1.38% 2.00% 1.79% 3.36% 5.37% 5.83% 5.06% 3.64%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Spruce Pine, North Carolina 28777

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Spruce Pine, North Carolina 28777, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Daniel Wingfield

Mortgage Banker

3420 Toringdon Way, Suite 220

Charlotte, NC 28777

(704) 560-6754

danielwingfield@atlanticbay.com

Geri Ray

Loan Officer

PO Box 2236

Weaverville, NC 28777

(828) 274-4946

geri@solution1mtg.com

Julie Chitea

Loan Officer

165 N Main St

Waynesville, NC 28777

(828) 452-0307

julie_chitea@ucbi.com

Alice Mosteller

Loan Officer

74 N Main St

Waynesville, NC 28777

(828) 452-5809

alice_mosteller@beverly-hanks.com

Ellen Sither

Loan Officer

74 N Main St

Waynesville, NC 28777

(828) 452-5809

esither@beverly-hanks.com

Address

3420 Toringdon Way, Suite 220

Charlotte, NC

Contact

(704) 560-6754

Fax (301) 639-0804

danielwingfield@atlanticbay.com

Address

PO Box 2236

Weaverville, NC

Contact

(828) 274-4946

Fax (301) 639-0804

geri@solution1mtg.com

Address

165 N Main St

Waynesville, NC

Contact

(828) 452-0307

Fax (301) 639-0804

julie_chitea@ucbi.com

Refinancing News for Spruce Pine, North Carolina 28777