Compare Today’s Refinance Rates for West Columbia, West Virginia 25287
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in West Columbia, West Virginia 25287.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,054 over the lifetime of your mortgage, which translates to a monthly savings of $11 in West Columbia and other areas of Mason county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in West Columbia, West Virginia 25287
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Interactive Refinance Rate Projections for West Columbia, West Virginia 25287
Pureloan has developed an interactive chart to monitor the five largest local lenders in West Columbia, WV 25287, 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 West Columbia, West Virginia 25287 from 2024 - 2016
The following historical data provides insights into refinancing trends in West Columbia, West Virginia and the surrounding Mason 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 | 100.00% | 53.33% | 44.86% | 48.91% | 40.00% | 60.00% | 80.00% | 55.00% | 54.55% |
avg refi rate | 6.50% | 3.53% | 3.00% | 3.43% | 4.36% | 4.57% | 4.20% | 4.00% | 4.05% |
% 15 year fixed refinance | 30.00% | 30.84% | 29.35% | 45.00% | 33.33% | 16.67% | 40.00% | 36.36% | |
avg refi rate | 2.61% | 2.46% | 2.77% | 3.67% | 3.48% | 3.47% | 3.14% | 3.17% | |
Avg credit score | 761.00 | 732.97 | 747.93 | 751.01 | 751.45 | 741.00 | 738.00 | 749.10 | 738.05 |
Avg LTV (loan to value) | 82.00% | 68.83% | 68.45% | 73.62% | 70.55% | 73.53% | 70.07% | 71.15% | 69.77% |
Avg DTI (debt to income) | 39.00 | 30.87 | 31.04 | 29.29 | 30.85 | 28.67 | 33.57 | 33.65 | 29.86 |
Avg refinance insurance % | 12.00% | 3.83% | 2.67% | 4.15% | 3.30% | 2.00% | 3.07% | 5.55% | 3.95% |
Best Refinance Brokers around West Columbia, West Virginia 25287
If you are considering refinancing your mortgage or obtaining a cash-out refinance in West Columbia, West Virginia 25287, we have compiled a list of top refinance brokers to assist you in the process.
Erica Boggess
Loan Officer
814 Virginia St E
Charleston, WV 25287
(304) 345-6475
EBOGGESS@WVHDF.COM
Chris Eller
Loan Officer
114 Washington St W Ste 200
Charleston, WV 25287
(304) 400-9711
chris.eller@gmos.us
Dale Clowser
Certified Mortgage Loan Officer
300 Summers St
Charleston, WV 25287
(270) 444-8904
DClowser@bbandt.com
Russell Bonasso
Mortgage Banker
707 Virginia St E
Charleston, WV 25287
(304) 343-6808
russell.j.bonasso@chase.com
Address
814 Virginia St E
Charleston, WV
Contact
(304) 345-6475
Fax (301) 639-0804
EBOGGESS@WVHDF.COM
Address
114 Washington St W Ste 200
Charleston, WV
Contact
(304) 400-9711
Fax (301) 639-0804
chris.eller@gmos.us
Address
300 Summers St
Charleston, WV
Contact
(270) 444-8904
Fax (301) 639-0804
DClowser@bbandt.com