Compare Today’s Refinance Rates for Cambridge, Iowa 50046
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Cambridge, Iowa 50046.
With a 30-year amortization refinance in Cambridge and surrounding areas of Story county, our calculations show that you can expect to save up to $5,034 over the lifetime of your mortgage, or a monthly savings of $14. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Cambridge, Iowa 50046.
41.90251
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Summary of Average Refinances in Cambridge, Iowa 50046
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Cambridge, Iowa 50046
Pureloan has developed an interactive chart to monitor the five largest local lenders in Cambridge, IA 50046, 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 Cambridge, Iowa 50046 from 2024 - 2016
The following historical data provides insights into refinancing trends in Cambridge, Iowa and the surrounding Story 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 | 88.24% | 54.93% | 52.94% | 52.68% | 71.21% | 63.57% | 48.62% | 56.68% | 57.98% |
| avg refi rate | 6.12% | 3.50% | 2.89% | 3.16% | 4.03% | 4.43% | 4.00% | 3.82% | 3.93% |
| % 15 year fixed refinance | 11.76% | 27.46% | 28.79% | 29.09% | 19.20% | 26.43% | 38.97% | 26.72% | 27.19% |
| avg refi rate | 5.38% | 2.61% | 2.36% | 2.66% | 3.48% | 3.70% | 3.25% | 3.05% | 3.22% |
| Avg credit score | 753.35 | 756.22 | 768.67 | 770.23 | 762.26 | 756.92 | 752.53 | 756.72 | 764.07 |
| Avg LTV (loan to value) | 50.76% | 66.38% | 68.30% | 70.44% | 74.63% | 71.34% | 69.52% | 72.95% | 73.64% |
| Avg DTI (debt to income) | 29.65 | 31.33 | 29.16 | 29.33 | 31.49 | 33.19 | 32.38 | 31.18 | 30.10 |
| Avg refinance insurance % | 0.71% | 2.25% | 2.74% | 3.95% | 7.08% | 2.74% | 2.88% | 4.42% | 4.38% |
Best Refinance Brokers around Cambridge, Iowa 50046
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Cambridge, Iowa 50046, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Stephanie Mandernach
mortgage loan originator
801 Lincoln Way
Ames, IA 50046
(800) 296-9064
smandernach@gicu.org
Alan Johnson
mortgage loan originator
P.O. Box 665
Ames, IA 50046
(800) 296-9064
ajohnson@gicu.org
Andy Olinger
mortgage loan originator
P.O. Box 665
Ames, IA 50046
(800) 296-9064
aolinger@gicu.org
Crystal Thakhamho
mortgage loan originator
P.O. Box 665
Ames, IA 50046
(800) 296-9064
cthakhamho@gicu.org
David Detlefs
mortgage loan originator
P.O. Box 665
Ames, IA 50046
(800) 296-9064
ddetlefs@gicu.org
Address
801 Lincoln Way
Ames, IA
Contact
(800) 296-9064
Fax (301) 639-0804
smandernach@gicu.org
Address
P.O. Box 665
Ames, IA
Contact
(800) 296-9064
Fax (301) 639-0804
ajohnson@gicu.org
Address
P.O. Box 665
Ames, IA
Contact
(800) 296-9064
Fax (301) 639-0804
aolinger@gicu.org