Compare Today’s Refinance Rates for Harris, Iowa 51345
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Harris, Iowa 51345.
With a 30-year amortization refinance in Harris and surrounding areas of Osceola county, our calculations show that you can expect to save up to $2,702 over the lifetime of your mortgage, or a monthly savings of $8. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Harris, Iowa 51345.
Summary of Average Refinances in Harris, Iowa 51345
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Interactive Refinance Rate Projections for Harris, Iowa 51345
Pureloan has developed an interactive chart to monitor the five largest local lenders in Harris, IA 51345, 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 Harris, Iowa 51345 from 2024 - 2016
The following historical data provides insights into refinancing trends in Harris, Iowa and the surrounding Osceola 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 | 100.00% | 57.89% | 32.10% | 21.88% | 53.33% | 77.78% | 40.00% | 35.71% | 66.67% |
avg refi rate | 5.88% | 4.65% | 2.94% | 2.96% | 4.02% | 4.55% | 3.95% | 3.77% | 3.97% |
% 15 year fixed refinance | 15.79% | 48.15% | 53.13% | 26.67% | 22.22% | 48.00% | 35.71% | 23.81% | |
avg refi rate | 2.38% | 2.36% | 2.54% | 3.38% | 4.19% | 3.19% | 2.98% | 3.15% | |
Avg credit score | 733.00 | 734.63 | 755.30 | 762.57 | 756.87 | 736.56 | 742.44 | 747.93 | 755.14 |
Avg LTV (loan to value) | 73.33% | 69.16% | 67.05% | 65.78% | 73.80% | 74.67% | 71.48% | 64.14% | 70.00% |
Avg DTI (debt to income) | 25.33 | 30.53 | 28.53 | 28.14 | 24.73 | 32.11 | 32.32 | 25.36 | 28.00 |
Avg refinance insurance % | 8.33% | 0.63% | 3.63% | 3.20% | 4.80% | 2.00% | 1.96% | 2.14% | 3.81% |
Best Refinance Brokers around Harris, Iowa 51345
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Harris, Iowa 51345, we have compiled a list of top refinance brokers to assist you in the process.
Jeremy Helmers
Loan Officer
PO Box 979
Okoboji, IA 51345
(712) 332-7000
jhelmers@bankmidwest.com
Bethany Huseman
Market Leader
1802 Okoboji Avenue
Milford, IA 51345
(712) 338-2411
bhuseman@bank-northwest.com
Sid Fitch
Loan Officer
PO Box 7980
Spencer, IA 51345
(712) 262-3340
sid@farmerstrust.com
Kent Nelson
Loan Officer
PO Box 7980
Spencer, IA 51345
(712) 262-3340
kent@farmerstrust.com
Michael P Bryan
Senior Loan Officer
PO Box 7980
Spencer, IA 51345
(712) 262-3340
michael@farmerstrust.com
Address
PO Box 979
Okoboji, IA
Contact
(712) 332-7000
Fax (301) 639-0804
jhelmers@bankmidwest.com
Address
1802 Okoboji Avenue
Milford, IA
Contact
(712) 338-2411
Fax (301) 639-0804
bhuseman@bank-northwest.com
Address
PO Box 7980
Spencer, IA
Contact
(712) 262-3340
Fax (301) 639-0804
sid@farmerstrust.com