Compare Today’s Refinance Rates for Champlain, Virginia 22438
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Champlain, Virginia 22438.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Champlain, Virginia 22438. For 30-year amortization refinancing, you can expect lifetime cash savings of $22,469 or $62 per month in Champlain and other parts of Essex county.
Summary of Average Refinances in Champlain, Virginia 22438
Become a certified mortgage expert on Pureloan.com
in Champlain, Virginia 22438
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Champlain, Virginia 22438
Pureloan has developed an interactive chart to monitor the five largest local lenders in Champlain, VA 22438, 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 Champlain, Virginia 22438 from 2024 - 2016
The following historical data provides insights into refinancing trends in Champlain, Virginia and the surrounding Essex 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 | 60.00% | 68.27% | 70.40% | 66.95% | 63.45% | 59.12% | 59.55% | 62.61% | 60.55% |
| avg refi rate | 6.49% | 3.55% | 2.93% | 3.19% | 4.02% | 4.60% | 4.06% | 3.90% | 4.10% |
| % 15 year fixed refinance | 33.33% | 18.91% | 16.58% | 18.02% | 24.50% | 29.20% | 29.09% | 22.90% | 28.72% |
| avg refi rate | 5.62% | 2.65% | 2.42% | 2.75% | 3.60% | 3.83% | 3.45% | 3.19% | 3.25% |
| Avg credit score | 760.53 | 746.03 | 752.26 | 760.24 | 752.19 | 755.91 | 754.41 | 758.46 | 763.56 |
| Avg LTV (loan to value) | 56.60% | 63.87% | 68.87% | 72.95% | 73.56% | 71.27% | 72.32% | 74.13% | 73.03% |
| Avg DTI (debt to income) | 35.87 | 32.91 | 31.84 | 31.07 | 33.24 | 33.36 | 32.58 | 31.54 | 30.23 |
| Avg refinance insurance % | 2.47% | 1.66% | 3.19% | 4.96% | 6.61% | 4.55% | 5.16% | 6.08% | 6.29% |
Best Refinance Brokers around Champlain, Virginia 22438
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Champlain, Virginia 22438, we have compiled a list of top refinance brokers to assist you in the process.
Stephanie South
Loan Officer
501 1/2 Jefferson Davis Hwy
Fredericksburg, VA 22438
(540) 899-0506
stephanie.south@wellsfargo.com
Cynthia Cestare
Loan Officer
501 1/2 Jefferson Davis Hwy
Fredericksburg, VA 22438
(540) 899-0506
cynthia.cestare@wellsfargo.com
Matthew Bruce
Loan Officer
501 1/2 Jefferson Davis Hwy
Fredericksburg, VA 22438
(540) 899-0506
matthew.g.bruce@wellsfargo.com
Brian Whetzel
Branch manager
2050 Gordon W Shelton Blvd
Fredericksburg, VA 22438
(540) 548-8855
bwhetzel@cfmortgagecorp.com
R.W. Edmondson
Branch manager
2050 Gordon W Shelton Blvd
Fredericksburg, VA 22438
(540) 548-8855
RWEdmondson@cfmortgagecorp.com
Address
501 1/2 Jefferson Davis Hwy
Fredericksburg, VA
Contact
(540) 899-0506
Fax (301) 639-0804
stephanie.south@wellsfargo.com
Address
501 1/2 Jefferson Davis Hwy
Fredericksburg, VA
Contact
(540) 899-0506
Fax (301) 639-0804
cynthia.cestare@wellsfargo.com
Address
501 1/2 Jefferson Davis Hwy
Fredericksburg, VA
Contact
(540) 899-0506
Fax (301) 639-0804
matthew.g.bruce@wellsfargo.com