Compare Today’s Refinance Rates for Topton, North Carolina 28781
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Topton, North Carolina 28781.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Topton, North Carolina 28781. For 30-year amortization refinancing, you can expect lifetime cash savings of $7,818 or $22 per month in Topton and other parts of Cherokee county.
Summary of Average Refinances in Topton, North Carolina 28781
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Interactive Refinance Rate Projections for Topton, North Carolina 28781
Pureloan has developed an interactive chart to monitor the five largest local lenders in Topton, NC 28781, 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 Topton, North Carolina 28781 from 2024 - 2016
The following historical data provides insights into refinancing trends in Topton, North Carolina and the surrounding Cherokee 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 Topton, North Carolina 28781
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Topton, North Carolina 28781, we have compiled a list of top refinance brokers to assist you in the process.
Geri Ray
Loan Officer
PO Box 2236
Weaverville, NC 28781
(828) 274-4946
geri@solution1mtg.com
Julie Chitea
Loan Officer
165 N Main St
Waynesville, NC 28781
(828) 452-0307
julie_chitea@ucbi.com
Alice Mosteller
Loan Officer
74 N Main St
Waynesville, NC 28781
(828) 452-5809
alice_mosteller@beverly-hanks.com
Ellen Sither
Loan Officer
74 N Main St
Waynesville, NC 28781
(828) 452-5809
esither@beverly-hanks.com
Irene Glenn
Loan Officer
74 N Main St
Waynesville, NC 28781
(828) 452-5809
iglenn@beverly-hanks.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
Address
74 N Main St
Waynesville, NC
Contact
(828) 452-5809
Fax (301) 639-0804
alice_mosteller@beverly-hanks.com