Compare Today’s Refinance Rates for Yale, Iowa 50277
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Yale, Iowa 50277.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $2,853 over the lifetime of your mortgage, which translates to a monthly savings of $8 in Yale and other areas of Guthrie 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 Yale, Iowa 50277
Become a certified mortgage expert on Pureloan.com
in Yale, Iowa 50277
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Yale, Iowa 50277
Pureloan has developed an interactive chart to monitor the five largest local lenders in Yale, IA 50277, 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 Yale, Iowa 50277 from 2024 - 2016
The following historical data provides insights into refinancing trends in Yale, Iowa and the surrounding Guthrie 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 Yale, Iowa 50277
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Yale, Iowa 50277, we have compiled a list of top refinance brokers to assist you in the process.
David M. Whiton
Chairman/Loan Officer
PO Box 110
Yale, IA 50277
(877) 439-2221
yalebankiowa@yalebankiowa.com
Douglas J. Hemphill
President & CEO /Loan Officer
PO Box 110
Yale, IA 50277
(877) 439-2221
doug@yalebankiowa.com
Scott C. Stanley
Loan Officer
PO Box 110
Yale, IA 50277
(877) 439-2221
sstanley@yalebankiowa.com
Maureen Doherty
Vice President/Loan Officer
615 Park St Apt 1104
Des Moines, IA 50277
(630) 561-2242
maureen.doherty@genworth.com
Stephanie Pagel
Loan Officer/Operations Manager
615 Park St Apt 1104
Des Moines, IA 50277
(281) 415-1225
stephanie.pagel@genworth.com
Address
PO Box 110
Yale, IA
Contact
(877) 439-2221
Fax (301) 639-0804
yalebankiowa@yalebankiowa.com
Address
PO Box 110
Yale, IA
Contact
(877) 439-2221
Fax (301) 639-0804
doug@yalebankiowa.com
Address
PO Box 110
Yale, IA
Contact
(877) 439-2221
Fax (301) 639-0804
sstanley@yalebankiowa.com