Compare Today’s Refinance Rates for Hemphill, Texas 75948
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Hemphill, Texas 75948.
With a 30-year amortization refinance in Hemphill and surrounding areas of Sabine county, our calculations show that you can expect to save up to $4,274 over the lifetime of your mortgage, or a monthly savings of $12. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Hemphill, Texas 75948.
Summary of Average Refinances in Hemphill, Texas 75948
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Interactive Refinance Rate Projections for Hemphill, Texas 75948
Pureloan has developed an interactive chart to monitor the five largest local lenders in Hemphill, TX 75948, 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 Hemphill, Texas 75948 from 2024 - 2016
The following historical data provides insights into refinancing trends in Hemphill, Texas and the surrounding Sabine 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 Hemphill, Texas 75948
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Hemphill, Texas 75948, we have compiled a list of top refinance brokers to assist you in the process.
Cindy Neal
Loan Officer
2510 W Frank Ave
Lufkin, TX 75948
(936) 631-3531
cindyn@fbtet.com
William Bullock
Loan Officer
2510 W Frank Ave
Lufkin, TX 75948
(936) 631-3504
wbullock@fbtet.com
Kimen Fondren
Loan Originator
208 S US Highway 69
Huntington, TX 75948
(888) 890-6080
KFondren@huntingtonstatebank.com
Martha Sanchez
Loan Originator
208 S US Highway 69
Huntington, TX 75948
(888) 890-6080
MSanchez@huntingtonstatebank.com
Donna Carrell
Mortgage Loan Officer
102 W Columbia St
San Augustine, TX 75948
(936) 275-2361
dcarrell@texasbankandtrust.com
Address
2510 W Frank Ave
Lufkin, TX
Contact
(936) 631-3531
Fax (301) 639-0804
cindyn@fbtet.com
Address
2510 W Frank Ave
Lufkin, TX
Contact
(936) 631-3504
Fax (301) 639-0804
wbullock@fbtet.com
Address
208 S US Highway 69
Huntington, TX
Contact
(888) 890-6080
Fax (301) 639-0804
KFondren@huntingtonstatebank.com