Compare Today’s Refinance Rates for Smithfield, Virginia

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Smithfield, Virginia 23430. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Smithfield and other areas of Isle Of Wight county, expected lifetime cash savings are $46,618 or $129 / month.

For Smithfield, Virginia 23430, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

36.981057 -76.63682

Summary of Average Refinance Terms in Smithfield, Virginia 23430

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Smithfield, VA

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Smithfield, VA 23430, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Local Refinance Rates for Smithfield, VA

Refinance Rates for Smithfield, Virginia 23430 from 2014 - 2021

Below are historical data on refinancing in Smithfield, Virginia and around Isle Of Wight county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2014 2015 2016 2017 2018 2019 2020 2021
% 30 year fixed refinance 56.48% 51.82% 53.12% 59.02% 66.40% 64.51% 65.94% 54.25%
avg refi rate 4.83% 4.51% 3.89% 3.70% 4.50% 4.08% 3.87% 3.97%
% 15 year fixed refinance 24.79% 27.07% 28.39% 29.36% 21.46% 20.98% 20.50% 25.51%
avg refi rate 4.21% 3.78% 3.23% 2.96% 3.50% 3.21% 3.06% 3.13%
Avg credit score 765.78 764.40 768.49 762.28 748.56 753.68 753.15 749.03
Avg LTV (loan to value) 63.19% 64.41% 65.88% 68.31% 72.50% 74.44% 72.89% 68.80%
Avg DTI (debt to income) 31.68 31.38 30.44 31.37 34.47 33.61 33.69 34.49
Avg refinance insurance % 1.34% 1.78% 2.26% 3.25% 5.34% 6.42% 5.12% 3.35%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Smithfield, Virginia 23430

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Smithfield, Virginia 23430, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Renee Bevan

Mortgage Loan Officer Renee Bevan

210 Main Street

Smithfield, VA 23430

(757) 871-6262

renee.bevan@townebankmortgage.com

Cathy Garrett

Senior Mortgage Loan

5806 Harbour View Blvd #100

Suffolk, VA 23430

(757) 567-1142

cathy.garrett@newtownemortgage.com

David Xie

Senior Mortgage Loan

5806 Harbour View Blvd #100

Suffolk, VA 23430

(757) 478-8493

david.xie@newtownemortgage.com

Kristen Froehlich

Mortgage Loan Officer

5857 Harbour View Blvd., Suite 102,

Suffolk, VA 23430

(757) 651-9099

kristen.froehlich@townebankmortgage.com

Tommy Willcox

Loan Officer

786 Johnnie Dobbs Blvd.Mt

Pleasant, SC 23430

(843) 990-1223

tommy@ovmfinancial.com

Address

210 Main Street

Smithfield, VA

Contact

(757) 871-6262

Fax (301) 639-0804

renee.bevan@townebankmortgage.com

Address

5806 Harbour View Blvd #100

Suffolk, VA

Contact

(757) 567-1142

Fax (301) 639-0804

cathy.garrett@newtownemortgage.com

Address

5806 Harbour View Blvd #100

Suffolk, VA

Contact

(757) 478-8493

Fax (301) 639-0804

david.xie@newtownemortgage.com

Refinancing News for Smithfield, Virginia 23430