Compare Today’s Refinance Rates for Garner, Iowa 50438
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Garner, Iowa 50438.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $860 over the lifetime of your mortgage, which translates to a monthly savings of $2 in Garner and other areas of Hancock 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 Garner, Iowa 50438
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Interactive Refinance Rate Projections for Garner, Iowa 50438
Pureloan has developed an interactive chart to monitor the five largest local lenders in Garner, IA 50438, 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 Garner, Iowa 50438 from 2024 - 2016
The following historical data provides insights into refinancing trends in Garner, Iowa and the surrounding Hancock 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 | 66.67% | 48.94% | 36.77% | 38.46% | 50.00% | 50.00% | 44.44% | 50.00% | 47.69% |
| avg refi rate | 5.19% | 3.88% | 2.87% | 2.99% | 3.87% | 4.38% | 3.90% | 3.65% | 3.85% |
| % 15 year fixed refinance | 38.30% | 45.02% | 45.01% | 32.50% | 50.00% | 50.79% | 36.11% | 36.92% | |
| avg refi rate | 2.85% | 2.33% | 2.46% | 3.70% | 3.68% | 3.11% | 2.86% | 2.93% | |
| Avg credit score | 743.33 | 731.72 | 752.74 | 783.57 | 751.73 | 735.17 | 752.75 | 760.75 | 744.60 |
| Avg LTV (loan to value) | 79.00% | 65.83% | 67.48% | 68.35% | 69.48% | 69.58% | 70.48% | 72.43% | 73.14% |
| Avg DTI (debt to income) | 34.00 | 32.64 | 28.81 | 28.52 | 28.90 | 30.33 | 30.67 | 28.40 | 29.77 |
| Avg refinance insurance % | 8.00% | 4.98% | 3.43% | 2.91% | 5.53% | 1.00% | 4.84% | 6.00% | 3.55% |
Best Refinance Brokers around Garner, Iowa 50438
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Garner, Iowa 50438, we have compiled a list of top refinance brokers to assist you in the process.
Tyler D. Heeren
VP/Loan Officer
211 1st Ave NW
Hampton, IA 50438
(641) 456-4793
theeren@fnb-hampton.com
Kent D. Mollenbeck
Vice President/Loan Officer
211 1st Ave NW
Hampton, IA 50438
(641) 456-4793
kmollenbeck@fnb-hampton.com
Bruce Harris
Loan Officer
211 1st Ave NW
Hampton, IA 50438
(641) 456-4793
bharris@fnb-hampton.com
Nancy L. Boyington
Loan Officer
211 1st Ave NW
Hampton, IA 50438
(641) 456-4793
nboyington@fnb-hampton.com
David M. Heuberger
Loan Officer/President & CEO
211 1st Ave NW
Hampton, IA 50438
(641) 456-4793
dheuberger@fnb-hampton.com
Address
211 1st Ave NW
Hampton, IA
Contact
(641) 456-4793
Fax (301) 639-0804
theeren@fnb-hampton.com
Address
211 1st Ave NW
Hampton, IA
Contact
(641) 456-4793
Fax (301) 639-0804
kmollenbeck@fnb-hampton.com
Address
211 1st Ave NW
Hampton, IA
Contact
(641) 456-4793
Fax (301) 639-0804
bharris@fnb-hampton.com