Compare Today’s Refinance Rates for Ruby, South Carolina 29741
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ruby, South Carolina 29741.
With a 30-year amortization refinance in Ruby and surrounding areas of Chesterfield county, our calculations show that you can expect to save up to $18,892 over the lifetime of your mortgage, or a monthly savings of $52. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Ruby, South Carolina 29741.
Summary of Average Refinances in Ruby, South Carolina 29741
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Interactive Refinance Rate Projections for Ruby, South Carolina 29741
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ruby, SC 29741, 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 Ruby, South Carolina 29741 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ruby, South Carolina and the surrounding Chesterfield 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 | 88.24% | 52.34% | 58.28% | 59.73% | 66.75% | 70.70% | 61.20% | 55.43% | 56.40% |
| avg refi rate | 6.62% | 3.69% | 2.99% | 3.23% | 4.21% | 4.53% | 4.12% | 3.89% | 4.10% |
| % 15 year fixed refinance | 5.88% | 25.39% | 26.39% | 25.24% | 22.25% | 21.86% | 29.77% | 29.62% | 32.64% |
| avg refi rate | 6.00% | 2.70% | 2.45% | 2.76% | 3.64% | 3.89% | 3.35% | 3.10% | 3.28% |
| Avg credit score | 740.94 | 740.03 | 755.71 | 759.51 | 749.08 | 746.79 | 752.18 | 759.43 | 753.11 |
| Avg LTV (loan to value) | 69.24% | 63.25% | 68.99% | 72.98% | 73.62% | 73.14% | 71.52% | 73.47% | 75.00% |
| Avg DTI (debt to income) | 39.59 | 32.75 | 30.31 | 30.03 | 32.20 | 32.23 | 30.75 | 30.18 | 30.85 |
| Avg refinance insurance % | 5.41% | 1.55% | 2.80% | 5.85% | 6.64% | 5.56% | 5.14% | 6.04% | 7.53% |
Best Refinance Brokers around Ruby, South Carolina 29741
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ruby, South Carolina 29741, we have compiled a list of top refinance brokers to assist you in the process.
Robert Krainiak
Loan Officer
PO Box 1488, 5117 North Croatan Highway Po Box 148
Kitty Hawk, NC 29741
(252) 261-2100
robert@beachmtg.com
Gwen Thompson
President
5196 Charlotte Hwy
Clover, SC 29741
(803) 222-2879
gthompson@clovercommunitybank.com
Matt Elston
Loan Officer
1321 Springdale Road, PO Box 10941
Rock Hill, SC 29741
(803) 324-1131 Ext 230
melston@agsouthmortgages.com
Amy Maxie
Mortgage Loan Officer
2286 Dave Lyle Blvd
Rock Hill, SC 29741
(803) 327-4339
AMaxie@bbandt.com
Beverly Bowers
Mortgage Loan Officer
2286 Dave Lyle Blvd
Rock Hill, SC 29741
(803) 802-6530
bsbowers@bbandt.com
Address
PO Box 1488, 5117 North Croatan Highway Po Box 148
Kitty Hawk, NC
Contact
(252) 261-2100
Fax (301) 639-0804
robert@beachmtg.com
Address
5196 Charlotte Hwy
Clover, SC
Contact
(803) 222-2879
Fax (301) 639-0804
gthompson@clovercommunitybank.com
Address
1321 Springdale Road, PO Box 10941
Rock Hill, SC
Contact
(803) 324-1131 Ext 230
Fax (301) 639-0804
melston@agsouthmortgages.com