Adair County, Oklahoma
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1 Platform, 6 Refinance Alerts
01
Alert for Lower Rates
02
Alert for Cash Out
03
Alert for Shorter Term
04
Alert for Eliminating PMI
05
Alert for Product Changes
06
Alert for Changes in Home Value
Adair Real Estate Market Update
Adair County, Oklahoma, currently presents a stable real estate market. The median home price in the county is approximately $165,000, with prices remaining consistent over the past year. The average home value is around $151,991, reflecting a 3.6% increase from the previous year. This indicates a balanced market, where supply and demand are relatively even, making it neither a strong buyer's nor seller's market.
The top cities in Adair County include Stilwell, Westville, and Watts. Stilwell, the county seat, has a population of approximately 3,900 residents. Westville follows with a population of around 1,600, and Watts is home to about 300 people. These cities are small but serve as central hubs for the county's residents, providing essential services and community activities.
Living in Adair County offers a predominantly rural experience, with a significant portion of the economy based on agriculture and farming. The landscape is characterized by rolling hills and farmland, making it ideal for agricultural pursuits. While there are some suburban areas, the county's lifestyle is largely rural, with a strong sense of community and a slower pace of life compared to urban centers.
2025 Mortgage Loan Limits:
Adair County, Oklahoma
1 Unit
$806,500
Conforming Loans
$524,225
FHA Loans
2 Unit
$1,032,650
Conforming Loans
$671,200
FHA Loans
3 Unit
$1,248,150
Conforming Loans
$811,275
FHA Loans
4 Unit
$1,551,250
Conforming Loans
$1,008,300
FHA Loans
Questions About Refinancing in
Adair County
What is mortgage refinancing?
Refinancing is the process of replacing your current mortgage with a new one, often to secure a lower interest rate or change the loan terms.When should I consider refinancing?
Consider refinancing when interest rates drop, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.How much does it cost to refinance?
Refinancing costs typically range from 2% to 5% of the loan amount, including closing fees, appraisal, and title fees.How long does the refinancing process take?
The refinancing process usually takes between 30 to 45 days, but this can vary based on lender efficiency and document preparation.What are the benefits of refinancing?
Refinancing can lower your monthly payments, reduce interest rates, shorten loan terms, or allow you to tap into home equity.What is cash-out refinancing?
Cash-out refinancing allows you to take out a new loan for more than your current mortgage balance and receive the difference in cash.Will refinancing hurt my credit?
Refinancing may cause a temporary dip in your credit score due to the hard inquiry, but the impact is usually minor and short-term.Can I refinance with bad credit?
It may be harder to qualify, but some lenders offer refinancing options for people with lower credit scores, though they often come with higher interest rates.How much equity do I need to refinance?
Most lenders require you to have at least 20% equity in your home to qualify for refinancing, though some programs may allow for lower equity percentages.Is it possible to refinance a rental property?
Yes, you can refinance an investment or rental property, though the terms and interest rates may be different compared to refinancing a primary residence.
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