Compare Today’s Refinance Rates for Peru, Iowa 50222
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Peru, Iowa 50222.
With a 30-year amortization refinance in Peru and surrounding areas of Madison county, our calculations show that you can expect to save up to $3,149 over the lifetime of your mortgage, or a monthly savings of $9. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Peru, Iowa 50222.
Summary of Average Refinances in Peru, Iowa 50222
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Interactive Refinance Rate Projections for Peru, Iowa 50222
Pureloan has developed an interactive chart to monitor the five largest local lenders in Peru, IA 50222, 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 Peru, Iowa 50222 from 2024 - 2016
The following historical data provides insights into refinancing trends in Peru, Iowa and the surrounding Madison 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 | 73.33% | 51.51% | 49.98% | 51.06% | 59.17% | 60.71% | 51.34% | 53.45% | 55.81% |
avg refi rate | 5.72% | 3.50% | 2.90% | 3.15% | 4.08% | 4.44% | 4.08% | 3.78% | 3.95% |
% 15 year fixed refinance | 20.00% | 29.10% | 30.12% | 30.84% | 27.34% | 29.17% | 36.40% | 31.80% | 28.14% |
avg refi rate | 5.87% | 2.58% | 2.35% | 2.66% | 3.46% | 3.75% | 3.21% | 2.96% | 3.18% |
Avg credit score | 737.60 | 749.54 | 766.49 | 769.99 | 760.38 | 751.52 | 751.44 | 760.07 | 761.91 |
Avg LTV (loan to value) | 56.13% | 65.86% | 67.62% | 69.56% | 70.56% | 69.64% | 73.52% | 72.39% | 73.13% |
Avg DTI (debt to income) | 32.67 | 32.34 | 28.99 | 28.55 | 31.65 | 31.74 | 31.17 | 30.43 | 30.71 |
Avg refinance insurance % | 2.22% | 2.77% | 3.29% | 5.00% | 3.05% | 5.10% | 3.98% | 3.83% |
Best Refinance Brokers around Peru, Iowa 50222
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Peru, Iowa 50222, we have compiled a list of top refinance brokers to assist you in the process.
Sandy Palmer
Asst Vice President Loan Operations Manager
PO Box 463
Osceola, IA 50222
(641) 342-2175
spalmer@americanstatebank.com
Nicole Grove-Fuller
Consumer Lending
PO Box 880
Waukee, IA 50222
(515) 987-4135
ngrove-fuller@ptsbank.com
Molly Maguire
Mortgage Lending
PO Box 880
Waukee, IA 50222
(515) 987-4135
mmaguire@ptsbank.com
Andy Newman
Mortgage Lending
PO Box 880
Waukee, IA 50222
(515) 987-4135
anewman@ptsbank.com
Todd Smith
Mortgage and Consumer Lending
PO Box 880
Waukee, IA 50222
(515) 987-4135
tsmith@ptsbank.com
Address
PO Box 463
Osceola, IA
Contact
(641) 342-2175
Fax (301) 639-0804
spalmer@americanstatebank.com
Address
PO Box 880
Waukee, IA
Contact
(515) 987-4135
Fax (301) 639-0804
ngrove-fuller@ptsbank.com
Address
PO Box 880
Waukee, IA
Contact
(515) 987-4135
Fax (301) 639-0804
mmaguire@ptsbank.com