Compare Today’s Refinance Rates for Clearwater, Florida 33766
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Clearwater, Florida 33766.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,828 over the lifetime of your mortgage, which translates to a monthly savings of $22 in Clearwater and other areas of Pinellas county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Clearwater, Florida 33766
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Interactive Refinance Rate Projections for Clearwater, Florida 33766
Pureloan has developed an interactive chart to monitor the five largest local lenders in Clearwater, FL 33766, for refinancing and cash-out. The chart features historical rates, which are based on completed refinancings, and projections, which are based on proprietary modeling.
Historical Refinance Rates in Clearwater, Florida 33766 from 2024 - 2016
The following historical data provides insights into refinancing trends in Clearwater, Florida and the surrounding Pinellas county, based on factors such as loan type, credit score, LTV, and other parameters. This data is derived from actual closed home refinancings.
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
---|---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 88.64% | 64.03% | 64.85% | 63.49% | 65.29% | 63.38% | 57.06% | 58.53% | 53.58% |
avg refi rate | 6.33% | 3.49% | 2.96% | 3.21% | 4.19% | 4.60% | 4.19% | 3.94% | 4.12% |
% 15 year fixed refinance | 2.27% | 20.08% | 21.33% | 22.57% | 20.42% | 27.47% | 32.96% | 31.32% | 34.84% |
avg refi rate | 5.75% | 2.68% | 2.42% | 2.75% | 3.62% | 3.89% | 3.34% | 3.18% | 3.36% |
Avg credit score | 730.82 | 747.10 | 751.88 | 754.49 | 742.68 | 734.79 | 736.84 | 742.63 | 747.13 |
Avg LTV (loan to value) | 59.68% | 58.31% | 64.73% | 66.90% | 65.81% | 62.87% | 64.77% | 65.62% | 67.82% |
Avg DTI (debt to income) | 41.16 | 38.07 | 36.47 | 36.14 | 37.50 | 37.54 | 37.22 | 35.87 | 36.06 |
Avg refinance insurance % | 1.25% | 0.60% | 2.21% | 3.00% | 3.49% | 1.98% | 2.25% | 2.19% | 2.24% |
Best Refinance Brokers around Clearwater, Florida 33766
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Clearwater, Florida 33766, we have compiled a list of top refinance brokers to assist you in the process.
Clay Higgins
Mortgage Loan Originator
2963 Gulf To Bay Boulevard Suite 110
Clearwater, FL 33766
(727) 316-5115
chiggins@nfmlending.com
Bill Mantooth
Loan Originator
2963 Gulf To Bay Boulevard Suite 110
Clearwater, FL 33766
(727) 316-5115
teammantooth@nfmlending.com
Sharon Smith
Mortgage Lender
3021 Enterprise Rd E
Clearwater, FL 33766
(727) 796-1482
sharon.smith@regions.com
david saly
Senior Loan Officer
13577 Feather Sound Dr, Sixth Floor
Clearwater, FL 33766
DSaly@vandykmortgage.com
ray rau
Senior Loan Officer
13577 Feather Sound Dr. Sixth Floor
Clearwater, FL 33766
(954) 320-7515
RRau@vandykmortgage.com
Address
2963 Gulf To Bay Boulevard Suite 110
Clearwater, FL
Contact
(727) 316-5115
Fax (301) 639-0804
chiggins@nfmlending.com
Address
2963 Gulf To Bay Boulevard Suite 110
Clearwater, FL
Contact
(727) 316-5115
Fax (301) 639-0804
teammantooth@nfmlending.com
Address
3021 Enterprise Rd E
Clearwater, FL
Contact
(727) 796-1482
Fax (301) 639-0804
sharon.smith@regions.com