Today's Refinance Mortgage Rates at Birmingham, AL
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| Date | House Price | Loan Amount | Credit Score | Interest Rate | Monthly Payment | Annual Salary | Lender | Loan Type | Purpose | Loan Term | LTV | DTI | Purchase Reason | City |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 06/17/2020 | 406,000 | 345,000 | 752 | 3.54 | 1,323 | 65,000 | Nations Direct Mortgage | FHA | Cash-Out Refinance | 30 yrs | 85 | 55 | Primary | Beverly Hills, CA |
| 06/17/2020 | 62,500 | 45,000 | 774 | 3.92 | 238 | 35,000 | Ditech Financial | Conventional | Refinance | 15 yrs | 72 | 38 | Primary | Jackson, MS |
| 06/17/2020 | 258,000 | 99,750 | 774 | 4.04 | 184 | 32,000 | Freedom Mortgage Corporation | VA | Cash-Out Refinance | 30 yrs | 38 | 37 | Primary | Manchester, NH |
| 06/17/2020 | 279,000 | 205,000 | 795 | 3.34 | 663 | 67,000 | Quicken Loans | Conventional | Cash-Out Refinance | 30 yrs | 73 | 37 | Primary | Doylestown, PA |
| 06/17/2020 | 389,000 | 255,000 | 808 | 3.66 | 766 | 82,000 | Michigan State University Federal Credit Union | Conventional | Cash-Out Refinance | 30 yrs | 65 | 33 | Primary | Howell, MI |
| 06/17/2020 | 676,500 | 395,000 | 794 | 3.66 | 1,056 | 147,000 | Flagstar Bank | Conventional | Refinance | 30 yrs | 58 | 42 | Secondary | Flagstaff, AZ |
| 06/17/2020 | 523,500 | 225,000 | 810 | 3.54 | 693 | 47,000 | NationStar Mortgage | Conventional | Cash-Out Refinance | 15 yrs | 43 | 45 | Primary | Folsom, CA |
| 06/17/2020 | 645,000 | 505,000 | 810 | 3.15 | 2,758 | 154,000 | Unknown | Conventional | Refinance | 15 yrs | 78 | 33 | Primary | Leesburg, VA |
| 06/17/2020 | 560,500 | 445,000 | 773 | 3.66 | 1,619 | 72,000 | Quicken Loans | Conventional | Cash-Out Refinance | 30 yrs | 79 | 46 | Primary | Keizer, OR |
| 06/17/2020 | 389,500 | 265,000 | 768 | 4.29 | 891 | 97,000 | Home Point Financial Corporation | Conventional | Cash-Out Refinance | 30 yrs | 68 | 33 | Primary | Clovis, CA |
Average Refinance Mortgage Rates by Credit Score at Birmingham, AL for Conventional, FHA and VA Refinance Mortgages
2020
| Credit Score | Conventional | FHA | VA | City |
|---|---|---|---|---|
| 650 and lesser | 4.89 | 4.59 | 4.72 | Alexander City, AL |
| 650 to 700 | 4.67 | 4.72 | 4.02 | Alexander City, AL |
| 700 to 750 | 4.20 | 3.87 | 3.65 | Alexander City, AL |
| 750 to 800 | 3.72 | 3.32 | 3.24 | Alexander City, AL |
| 800 and above | 3.15 | 3.06 | 2.95 | Alexander City, AL |
| 650 and lesser | 4.72 | 4.71 | 4.72 | Auburn, AL |
| 650 to 700 | 4.69 | 4.12 | 4.23 | Auburn, AL |
| 700 to 750 | 4.28 | 3.84 | 3.80 | Auburn, AL |
| 750 to 800 | 3.71 | 3.31 | 3.35 | Auburn, AL |
| 800 and above | 3.24 | 3.23 | 3.03 | Auburn, AL |
Fig: Average refinance mortgage rates across Conventional, FHA and VA mortgages by credit score in 2020 offered at Birmingham, AL
Average Refinance Mortgage Rates by Credit Score at Birmingham, AL for FRM (Fixed Rate Mortgage) and ARM (Adjustable Rate Mortgage)
2020
| Credit Score | FRM | 5/1 ARM | 7/1 ARM | 10/1 ARM | City |
|---|---|---|---|---|---|
| 650 and lesser | 4.42 | 3.98 | 4.07 | 4.26 | Aberdeen, WA |
| 650 to 700 | 4.45 | 4.01 | 4.12 | 4.29 | Aberdeen, WA |
| 700 to 750 | 4.18 | 3.74 | 3.83 | 4.03 | Aberdeen, WA |
| 750 to 800 | 3.62 | 3.16 | 3.28 | 3.47 | Aberdeen, WA |
| 800 and above | 3.26 | 2.84 | 2.91 | 3.10 | Aberdeen, WA |
| 650 to 700 | 4.80 | 4.37 | 4.46 | 4.65 | Abilene, TX |
| 700 to 750 | 4.38 | 3.96 | 4.04 | 4.23 | Abilene, TX |
| 750 to 800 | 3.75 | 3.31 | 3.42 | 3.59 | Abilene, TX |
| 800 and above | 3.17 | 2.75 | 2.84 | 3.00 | Abilene, TX |
| 650 and lesser | 4.67 | 4.24 | 4.33 | 4.50 | Abingdon, VA |
Fig: Average refinance mortgage rates across adjustable and fixed rate refinance mortgages by credit score in 2020 offered at Birmingham, AL
Average Refinance Mortgage Rates by Credit Score at Birmingham, AL on Primary, Secondary and Investment Homes
2020
| Credit Score | Primary | Secondary | Investment | City |
|---|---|---|---|---|
| 650 and lesser | 4.66 | 4.74 | Alexander City, AL | |
| 650 to 700 | 4.60 | 4.59 | 4.72 | Alexander City, AL |
| 700 to 750 | 4.15 | 4.15 | 4.09 | Alexander City, AL |
| 750 to 800 | 3.59 | 3.72 | 3.79 | Alexander City, AL |
| 800 and above | 3.13 | 3.15 | 3.33 | Alexander City, AL |
| 650 and lesser | 4.72 | 4.74 | Auburn, AL | |
| 650 to 700 | 4.49 | 4.73 | 4.70 | Auburn, AL |
| 700 to 750 | 4.05 | 4.36 | 4.59 | Auburn, AL |
| 750 to 800 | 3.59 | 3.51 | 3.88 | Auburn, AL |
| 800 and above | 3.22 | 3.33 | 3.33 | Auburn, AL |
Fig: Average refinance mortgage rates on Primary, Secondary and Investment homes by credit score in 2020 offered at Birmingham, AL