Compare Today’s Refinance Rates for Waynesville, North Carolina 28785
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Waynesville, North Carolina 28785.
With a 30-year amortization refinance in Waynesville and surrounding areas of Haywood county, our calculations show that you can expect to save up to $8,379 over the lifetime of your mortgage, or a monthly savings of $23. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Waynesville, North Carolina 28785.
Summary of Average Refinances in Waynesville, North Carolina 28785
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Interactive Refinance Rate Projections for Waynesville, North Carolina 28785
Pureloan has developed an interactive chart to monitor the five largest local lenders in Waynesville, NC 28785, 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 Waynesville, North Carolina 28785 from 2024 - 2016
The following historical data provides insights into refinancing trends in Waynesville, North Carolina and the surrounding Haywood 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 Waynesville, North Carolina 28785
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Waynesville, North Carolina 28785, we have compiled a list of top refinance brokers to assist you in the process.
Latisha Perkins
Mortgage Banker
33 South Main Street
Waynesville, NC 28785
(336) 344-8476
latishaperkins@atlanticbay.com
Rick Balliot
Mortgage Banker
36 South Main Street
Waynesville, NC 28785
(828) 278-4954
richardballiot@atlanticbay.com
Kristin Rogers
Certified Mortgage Loan Officer
370 N Main St
Waynesville, NC 28785
(828) 225-3423
kmrogers@bbandt.com
Lucy Lucinian
Mortgage Loan Officer
370 N Main St�
Waynesville, NC 28785
(828) 456-2580
llucinian@bbandt.com
Ryan McElroy
Loan Officer
74 N Main St
Waynesville, NC 28785
(828) 452-5809
rmcelroy@beverly-hanks.com
Address
33 South Main Street
Waynesville, NC
Contact
(336) 344-8476
Fax (301) 639-0804
latishaperkins@atlanticbay.com
Address
36 South Main Street
Waynesville, NC
Contact
(828) 278-4954
Fax (301) 639-0804
richardballiot@atlanticbay.com
Address
370 N Main St
Waynesville, NC
Contact
(828) 225-3423
Fax (301) 639-0804
kmrogers@bbandt.com