Compare Today’s Refinance Rates for Saint Johns, Florida 32259
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Johns, Florida 32259.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,604 over the lifetime of your mortgage, which translates to a monthly savings of $16 in Saint Johns and other areas of Saint Johns 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 Saint Johns, Florida 32259
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Interactive Refinance Rate Projections for Saint Johns, Florida 32259
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Johns, FL 32259, 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 Saint Johns, Florida 32259 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Johns, Florida and the surrounding Saint Johns 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 | 55.02% | 54.24% | 52.56% | 49.31% | 52.42% | 50.37% | 41.84% | 58.01% | |
| avg refi rate | 4.11% | 3.96% | 4.18% | 4.56% | 3.80% | 3.92% | 4.55% | 4.91% | |
| % 15 year fixed refinance | 32.71% | 31.95% | 36.97% | 39.17% | 40.97% | 35.91% | 41.13% | 33.50% | |
| avg refi rate | 3.30% | 3.19% | 3.40% | 3.55% | 3.10% | 3.29% | 3.84% | 4.25% | |
| Avg credit score | 756.06 | 752.95 | 757.98 | 753.08 | 767.72 | 771.70 | 766.40 | 766.03 | |
| Avg LTV (loan to value) | 71.43% | 71.75% | 72.79% | 72.84% | 67.46% | 66.76% | 63.96% | 64.37% | |
| Avg DTI (debt to income) | 32.43 | 32.51 | 31.94 | 32.54 | 29.78 | 29.96 | 30.96 | 30.62 | |
| Avg refinance insurance % | 3.74% | 4.07% | 4.83% | 4.68% | 2.55% | 1.27% | 0.32% | 0.40% |
Best Refinance Brokers around Saint Johns, Florida 32259
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Johns, Florida 32259, we have compiled a list of top refinance brokers to assist you in the process.
Ken Jones
Mortgage Lender
10752 Deerwood Park Blvd., Suite 100
Jacksonville , FL 32259
(904) 564-0353
kenjones@atlanticbay.com
Aaron Robertson
Mortgage Lender
4220 Race Track Road, Suite 900
St. Johns , FL 32259
(904) 421-4682
akrobertson@dhimortgage.com
David Macinnes
Mortgage Banker
650 Atlantic Blvd
Neptune Beach, FL 32259
(904) 962-5270
david.macinnes@chase.com
Brett Bosarge
Branch Manager-Tallahassee
2282 Killearn Center Blvd., Suite B
Tallahassee, FL 32259
(850) 895-8225
'brett.bosarge@lionbank.com'
Dana Cummins
Avp Senior Mortgage Banker
2282 Killearn Center Blvd., Suite B
Tallahassee, FL 32259
(850) 895-8228
'dana.cummins@lionbank.com'
Address
10752 Deerwood Park Blvd., Suite 100
Jacksonville , FL
Contact
(904) 564-0353
Fax (301) 639-0804
kenjones@atlanticbay.com
Address
4220 Race Track Road, Suite 900
St. Johns , FL
Contact
(904) 421-4682
Fax (301) 639-0804
akrobertson@dhimortgage.com
Address
650 Atlantic Blvd
Neptune Beach, FL
Contact
(904) 962-5270
Fax (301) 639-0804
david.macinnes@chase.com