Compare Today’s Mortgage Rates for Joseph, Oregon
Pureloan searches mortgage lenders and major banks in Joseph, Oregon 97846 finding the best mortgage rates. We also provide a list of the best mortgage brokers in your area and an analysis of your future home loan payments. For a 30-year fixed loan, lifetime cash savings of $18,698 or $52 / month is expected in Joseph and other areas of Wallowa county.
Pureloan’s search engine explores all home mortgage options in Joseph, Oregon 97846, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.
Summary of Average Mortgage Terms in Joseph, Oregon 97846
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Joseph, OR
To forecast and predict mortgage rates in Joseph, OR 97846, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.
Historical Mortgage Rates for Joseph, Oregon 97846 from 2014 - 2021
We have compiled mortgage rate charts for home loans in Joseph, Oregon and around Wallowa county to help you understand trends for your home purchase process. This data is produced from actual closed loans.
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | |
|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 93.56% | 89.86% | 91.51% | 92.44% | 93.73% | 94.37% | 96.02% | 95.86% |
| avg mortgage rate | 4.89% | 4.63% | 3.90% | 4.02% | 4.47% | 4.13% | 3.94% | 4.11% |
| % 15 year fixed mortgage | 5.32% | 8.28% | 6.30% | 6.17% | 5.31% | 4.87% | 3.70% | 3.13% |
| avg mortgage rate | 4.31% | 3.89% | 3.28% | 3.13% | 3.52% | 3.32% | 3.19% | 3.42% |
| Avg credit score | 767.94 | 770.73 | 766.26 | 762.42 | 759.13 | 757.24 | 754.32 | 756.08 |
| Avg LTV (loan to value) | 73.50% | 75.90% | 78.33% | 79.56% | 80.08% | 80.55% | 79.87% | 79.07% |
| Avg DTI (debt to income) | 34.44 | 34.40 | 33.24 | 33.84 | 34.73 | 35.20 | 35.58 | 36.21 |
| % First time homebuyer | 28.45% | 28.36% | 26.28% | 24.92% | 31.23% | 33.67% | 34.58% | 32.29% |
| Avg mortgage insurance % | 3.19% | 5.02% | 8.29% | 9.65% | 10.62% | 11.44% | 10.42% | 9.46% |
Data produced from the Financial Report of the US Government
Best Mortgage Brokers Around Joseph, Oregon 97846
If you’re looking to buy a new home in Joseph, we have compiled a list of the leading mortgage brokers around Joseph, Oregon 97846 to help you with your search.
Name
Address
Contact
Wells Fargo Home Mortgage
1320 Adams Ave
La Grande OR 97846
(541) 962-7320
reportphish@wellsfargo.com
United Finance Co.
113 Elm St
La Grande OR 97846
(541) 963-6600
info@unitedfinancialcu.org
Allied Mortgage Resource
2108 Island Ave
La Grande OR 97846
(541) 962-7557
Columbia First Mortgage
102 Greenwood St
La Grande OR 97846
(541) 963-4900
Director's Mortgage
102 Greenwood St
La Grande OR 97846
(541) 963-4900
Address
1320 Adams Ave
La Grande OR
Contact
(541) 962-7320
reportphish@wellsfargo.com
Address
113 Elm St
La Grande OR
Contact
(541) 963-6600
info@unitedfinancialcu.org
Address
2108 Island Ave
La Grande OR
Contact
(541) 962-7557