Compare Today’s Refinance Rates for Vilas, North Carolina 28692
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Vilas, North Carolina 28692.
With a 30-year amortization refinance in Vilas and surrounding areas of Watauga county, our calculations show that you can expect to save up to $9,820 over the lifetime of your mortgage, or a monthly savings of $27. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Vilas, North Carolina 28692.
Summary of Average Refinances in Vilas, North Carolina 28692
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Interactive Refinance Rate Projections for Vilas, North Carolina 28692
Pureloan has developed an interactive chart to monitor the five largest local lenders in Vilas, NC 28692, 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 Vilas, North Carolina 28692 from 2024 - 2016
The following historical data provides insights into refinancing trends in Vilas, North Carolina and the surrounding Watauga 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 | 88.46% | 57.87% | 56.17% | 53.79% | 58.15% | 55.08% | 52.41% | 54.22% | 53.45% |
avg refi rate | 6.40% | 3.67% | 2.99% | 3.29% | 4.25% | 4.50% | 4.09% | 3.92% | 4.08% |
% 15 year fixed refinance | 7.69% | 25.72% | 28.72% | 30.29% | 28.93% | 30.51% | 34.22% | 31.56% | 32.29% |
avg refi rate | 6.37% | 2.75% | 2.49% | 2.84% | 3.71% | 3.92% | 3.23% | 3.19% | 3.30% |
Avg credit score | 742.31 | 764.36 | 751.68 | 760.74 | 747.14 | 743.83 | 752.84 | 756.82 | 757.08 |
Avg LTV (loan to value) | 69.50% | 59.60% | 64.65% | 67.70% | 67.60% | 67.35% | 69.36% | 70.33% | 70.48% |
Avg DTI (debt to income) | 35.46 | 32.91 | 31.26 | 30.94 | 32.22 | 32.89 | 32.49 | 30.97 | 31.94 |
Avg refinance insurance % | 7.46% | 1.72% | 2.27% | 3.06% | 3.14% | 3.47% | 3.84% | 4.26% | 4.89% |
Best Refinance Brokers around Vilas, North Carolina 28692
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Vilas, North Carolina 28692, we have compiled a list of top refinance brokers to assist you in the process.
Alicia Hearne
Mortgage Broker
2106 Hendersonville Rd
Arden, NC 28692
(828) 257-5760
alicia.hearne@firstcitizens.com
Bennett Lin
Loan Officer
PO Box 2026
Enka, NC 28692
(828) 670-5381
linbennett@hotmail.com
Geri Ray
Loan Officer
PO Box 2236
Weaverville, NC 28692
(828) 274-4946
geri@solution1mtg.com
Jennifer McCall
Mortgage Specialist
1 Academy St
Canton, NC 28692
(828) 274-2040
jmccall@championcu.com
Denise Stamey
Mortgage Specialist
1 Academy St
Canton, NC 28692
(828) 648-1515
dstamey@championcu.com
Address
2106 Hendersonville Rd
Arden, NC
Contact
(828) 257-5760
Fax (301) 639-0804
alicia.hearne@firstcitizens.com
Address
PO Box 2026
Enka, NC
Contact
(828) 670-5381
Fax (301) 639-0804
linbennett@hotmail.com
Address
PO Box 2236
Weaverville, NC
Contact
(828) 274-4946
Fax (301) 639-0804
geri@solution1mtg.com