Compare Today’s Refinance Rates for Alba, Texas 75410
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Alba, Texas 75410.
With a 30-year amortization refinance in Alba and surrounding areas of Wood county, our calculations show that you can expect to save up to $3,063 over the lifetime of your mortgage, or a monthly savings of $9. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Alba, Texas 75410.
Summary of Average Refinances in Alba, Texas 75410
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Interactive Refinance Rate Projections for Alba, Texas 75410
Pureloan has developed an interactive chart to monitor the five largest local lenders in Alba, TX 75410, 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 Alba, Texas 75410 from 2024 - 2016
The following historical data provides insights into refinancing trends in Alba, Texas and the surrounding Wood 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 | 87.38% | 52.54% | 53.06% | 55.63% | 60.56% | 56.33% | 45.86% | 48.99% | 44.00% |
avg refi rate | 6.43% | 3.54% | 2.89% | 3.18% | 3.99% | 4.58% | 4.11% | 3.87% | 4.09% |
% 15 year fixed refinance | 8.74% | 30.33% | 32.14% | 31.12% | 26.68% | 30.80% | 42.21% | 38.39% | 42.06% |
avg refi rate | 5.78% | 2.58% | 2.33% | 2.71% | 3.42% | 3.89% | 3.33% | 3.11% | 3.32% |
Avg credit score | 743.96 | 751.30 | 759.20 | 764.42 | 753.78 | 736.95 | 739.95 | 747.91 | 746.41 |
Avg LTV (loan to value) | 55.28% | 57.95% | 65.52% | 69.83% | 71.18% | 63.41% | 64.54% | 67.68% | 69.71% |
Avg DTI (debt to income) | 37.95 | 34.93 | 32.56 | 32.27 | 34.47 | 35.77 | 34.42 | 33.15 | 32.70 |
Avg refinance insurance % | 1.48% | 0.45% | 2.26% | 4.09% | 5.61% | 1.72% | 1.38% | 1.87% | 2.03% |
Best Refinance Brokers around Alba, Texas 75410
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Alba, Texas 75410, we have compiled a list of top refinance brokers to assist you in the process.
Vanya Griffith
Mortgage Lender
2501 N Center St Ste 103
Bonham, TX 75410
(903) 815-2372
vanya@vanyagriffith.com
Doug Edwards
Senior Loan Officer/Sales Manager
2911 Terrell Road Greenville , Suite F
Greenville, TX 75410
(903) 454-3811
dedwards@unionhomemortgage.com
Jacque Murley
Senior Loan Officer
2911 Terrell Road Greenville , Suite F
Greenville, TX 75410
(903) 326-0070
jmurley@unionhomemortgage.com
Todd Meadows
Loan officer
641 Church Street
Sulphur Springs, TX 75410
(903) 439-0738
tmeadows@texasbankandtrust.com
Gary Russell
Loan officer
641 Church Street
Sulphur Springs, TX 75410
(903) 439-0738
grussell@texasbankandtrust.com
Address
2501 N Center St Ste 103
Bonham, TX
Contact
(903) 815-2372
Fax (301) 639-0804
vanya@vanyagriffith.com
Address
2911 Terrell Road Greenville , Suite F
Greenville, TX
Contact
(903) 454-3811
Fax (301) 639-0804
dedwards@unionhomemortgage.com
Address
2911 Terrell Road Greenville , Suite F
Greenville, TX
Contact
(903) 326-0070
Fax (301) 639-0804
jmurley@unionhomemortgage.com