Compare Today’s Mortgage Rates in Cambridge, New York 12816
Pureloan is a mortgage search engine dedicated to thoroughly searching major lenders and finding you the best mortgage rates in Cambridge, New York 12816.
Whether you are seeking a fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, or conforming home mortgage, our search engine explores all the options in Cambridge, New York 12816. For a 30-year fixed loan, our calculations show that you can expect to save up to $17,094 over the lifetime of your mortgage, which translates to a monthly savings of $47 in Cambridge and other areas of Columbia county.
Summary of Average Mortgages in Cambridge, New York 12816
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Interactive Mortgage Rate Projections for Cambridge, New York 12816
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Cambridge, NY 12816. 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 Cambridge, New York 12816 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Cambridge, New York and around Columbia 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 | 95.04% | 95.01% | 93.15% | 92.58% | 91.30% | 91.53% | 85.63% | 84.39% | 85.21% |
avg mortgage rate | 6.52% | 4.35% | 3.07% | 3.45% | 4.37% | 4.47% | 4.00% | 3.73% | 3.96% |
% 15 year fixed mortgage | 3.55% | 3.21% | 4.84% | 5.46% | 7.32% | 6.61% | 9.01% | 12.17% | 12.54% |
avg mortgage rate | 5.63% | 3.51% | 2.47% | 2.98% | 3.98% | 3.73% | 3.21% | 2.95% | 3.14% |
Avg credit score | 742.38 | 766.11 | 751.16 | 751.42 | 747.48 | 749.54 | 757.90 | 755.60 | 756.96 |
Avg LTV (loan to value) | 83.55% | 84.91% | 85.68% | 86.24% | 85.24% | 84.31% | 83.17% | 84.31% | 82.84% |
Avg DTI (debt to income) | 38.86 | 37.61 | 35.90 | 36.74 | 36.09 | 37.27 | 35.63 | 34.41 | 35.36 |
% First time homebuyer | 60.28% | 54.72% | 49.06% | 52.84% | 50.57% | 42.86% | 37.75% | 30.16% | 31.83% |
Avg mortgage insurance % | 14.45% | 15.21% | 15.95% | 17.02% | 14.98% | 14.33% | 12.26% | 13.67% | 13.21% |
Best Mortgage Brokers around Cambridge, New York 12816
For those searching for a new home in Cambridge, we have compiled a list of the top mortgage brokers located in and around Cambridge, New York 12816 to assist you with your search.
Hometown Mortgage
32 Clinton St
Saratoga Springs NY 12816
(518) 584-3300
Homestead Funding
517 Broadway
Saratoga Springs NY 12816
(518) 306-4511
https://saratoga.homesteadfunding.com/
Century Health Capital
18 Division St
Saratoga Springs NY 12816
(518) 583-1667
info@chcap.com
The Funding Store
368 Broadway
Saratoga Springs NY 12816
(518) 587-0523
gardner@paymentlower.com
Exeter Finance
18 Division St
Saratoga Springs NY 12816
(518) 290-3075
http://exeterfinance.com
Address
32 Clinton St
Saratoga Springs NY
Contact
(518) 584-3300
Address
517 Broadway
Saratoga Springs NY
Contact
(518) 306-4511
https://saratoga.homesteadfunding.com/
Address
18 Division St
Saratoga Springs NY
Contact
(518) 583-1667
info@chcap.com