Compare Today’s Mortgage Rates in Smithboro, Illinois 62284
Pureloan is dedicated to helping you secure the best mortgage rates by conducting extensive searches among mortgage lenders and major banks in Smithboro, Illinois 62284.
Our search engine thoroughly explores all home mortgage options in Smithboro, Illinois 62284, including fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, and conforming home mortgages. Based on our calculations, we estimate that for a 30-year fixed loan, you can expect to save $4,109 in lifetime cash or $11 per month in Smithboro and other areas of Bond county.
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Summary of Average Mortgages in Smithboro, Illinois 62284
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Smithboro, Illinois 62284
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Smithboro, IL 62284. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Smithboro, Illinois 62284 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Smithboro, Illinois and around Bond county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 90.30% | 87.91% | 82.42% | 82.72% | 84.19% | 85.23% | 77.92% | 86.59% | |
| avg mortgage rate | 4.16% | 3.89% | 4.07% | 4.47% | 4.00% | 3.93% | 4.76% | 5.03% | |
| % 15 year fixed mortgage | 8.44% | 9.85% | 11.62% | 13.60% | 13.03% | 11.38% | 16.40% | 10.11% | |
| avg mortgage rate | 3.31% | 3.16% | 3.23% | 3.51% | 3.25% | 3.30% | 3.87% | 4.38% | |
| Avg credit score | 793.88 | 754.84 | 757.27 | 758.67 | 759.34 | 762.31 | 764.96 | 761.58 | |
| Avg LTV (loan to value) | 82.79% | 83.99% | 83.72% | 83.15% | 81.73% | 79.26% | 77.87% | 77.04% | |
| Avg DTI (debt to income) | 34.39 | 32.60 | 32.38 | 32.26 | 31.62 | 30.78 | 32.29 | 31.71 | |
| % First time homebuyer | 16.88% | 25.52% | 29.83% | 27.57% | 29.49% | 28.00% | 27.76% | 36.26% | |
| Avg mortgage insurance % | 13.27% | 13.90% | 14.35% | 11.63% | 11.57% | 9.20% | 6.08% | 5.09% |
Best Mortgage Brokers around Smithboro, Illinois 62284
For those searching for a new home in Smithboro, we have compiled a list of the top mortgage brokers located in and around Smithboro, Illinois 62284 to assist you with your search.
Name
Address
Contact
Guaranteed Rate
101 N Main St
Smithton IL 62284
(618) 624-1000
http://www.guaranteedrate.com/
Check 'n Go
421 N 32nd St
Quincy IL 62284
(217) 228-2000
http://www.checkngo.com/
Illinois Title Loans
1800 Broadway St
Quincy IL 62284
(217) 223-7471
http://www.illinoistitleloansinc.com/
TitleMax Title Loans
2535 Broadway St
Quincy IL 62284
(217) 223-1606
webinquiries@titlemax.com
Check 'n Go
3127 Broadway St
Quincy IL 62284
(217) 228-2000
comments@checkngo.com
Address
101 N Main St
Smithton IL
Contact
(618) 624-1000
http://www.guaranteedrate.com/
Address
421 N 32nd St
Quincy IL
Contact
(217) 228-2000
http://www.checkngo.com/
Address
1800 Broadway St
Quincy IL
Contact
(217) 223-7471
http://www.illinoistitleloansinc.com/