Compare Today’s Refinance Rates for Sperryville, Virginia 22740
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Sperryville, Virginia 22740.
With a 30-year amortization refinance in Sperryville and surrounding areas of Rappahannock county, our calculations show that you can expect to save up to $18,204 over the lifetime of your mortgage, or a monthly savings of $51. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Sperryville, Virginia 22740.
38.620252
-78.246571
8989
Summary of Average Refinances in Sperryville, Virginia 22740
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
Become a certified mortgage expert on Pureloan.com
in Sperryville, Virginia 22740
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Sperryville, Virginia 22740
Pureloan has developed an interactive chart to monitor the five largest local lenders in Sperryville, VA 22740, 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 Sperryville, Virginia 22740 from 2024 - 2016
The following historical data provides insights into refinancing trends in Sperryville, Virginia and the surrounding Rappahannock 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 | 90.91% | 59.04% | 66.42% | 65.46% | 68.62% | 66.13% | 62.03% | 70.79% | 63.32% |
| avg refi rate | 5.93% | 3.51% | 2.96% | 3.27% | 4.14% | 4.58% | 4.06% | 3.86% | 4.10% |
| % 15 year fixed refinance | 9.09% | 21.77% | 21.00% | 19.39% | 20.50% | 24.19% | 29.54% | 20.63% | 25.10% |
| avg refi rate | 5.38% | 2.68% | 2.46% | 2.82% | 3.61% | 3.91% | 3.34% | 3.11% | 3.31% |
| Avg credit score | 737.00 | 740.04 | 764.03 | 758.06 | 748.68 | 748.18 | 756.64 | 761.36 | 759.60 |
| Avg LTV (loan to value) | 59.09% | 60.84% | 67.92% | 72.07% | 73.66% | 71.20% | 72.39% | 73.41% | 72.19% |
| Avg DTI (debt to income) | 37.00 | 32.40 | 31.34 | 31.17 | 32.94 | 33.52 | 31.89 | 31.16 | 30.56 |
| Avg refinance insurance % | 1.20% | 2.73% | 4.88% | 6.10% | 4.78% | 5.24% | 5.72% | 4.68% |
Best Refinance Brokers around Sperryville, Virginia 22740
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Sperryville, Virginia 22740, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Blane Stewart
Loan officer
114 N West St
Culpeper, VA 22740
(540) 717-6237
bstewart@slshomeloans.com
Meredith Dunahoo
Loan officer
114 N West St
Culpeper, VA 22740
(540) 829-0030
mdunahoo@slshomeloans.com
Kathleen Hoffmaster
Mortgage Loan Officer
703 James Madison Hwy
Culpeper, VA 22740
(828) 437-4981
KHoffmaster@bbandt.com
Blane Stewart
Branch Manager
19373 Carpenters Branch Road
Brandy Station, VA 22740
(540) 829-0030
blanes@nfmlending.com
Address
114 N West St
Culpeper, VA
Contact
(540) 717-6237
Fax (301) 639-0804
bstewart@slshomeloans.com
Address
114 N West St
Culpeper, VA
Contact
(540) 829-0030
Fax (301) 639-0804
mdunahoo@slshomeloans.com
Address
703 James Madison Hwy
Culpeper, VA
Contact
(828) 437-4981
Fax (301) 639-0804
KHoffmaster@bbandt.com