Compare Today’s Refinance Rates for Challis, Idaho 83226
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Challis, Idaho 83226.
With a 30-year amortization refinance in Challis and surrounding areas of Custer county, our calculations show that you can expect to save up to $6,801 over the lifetime of your mortgage, or a monthly savings of $19. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Challis, Idaho 83226.
Summary of Average Refinances in Challis, Idaho 83226
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Interactive Refinance Rate Projections for Challis, Idaho 83226
Pureloan has developed an interactive chart to monitor the five largest local lenders in Challis, ID 83226, 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 Challis, Idaho 83226 from 2024 - 2016
The following historical data provides insights into refinancing trends in Challis, Idaho and the surrounding Custer 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 | 93.10% | 68.61% | 64.91% | 61.30% | 73.49% | 79.00% | 71.21% | 73.22% | 62.00% |
avg refi rate | 6.32% | 3.99% | 2.92% | 3.23% | 4.23% | 4.45% | 4.13% | 3.90% | 3.98% |
% 15 year fixed refinance | 6.90% | 18.98% | 21.89% | 21.85% | 12.65% | 17.00% | 23.23% | 22.40% | 28.67% |
avg refi rate | 6.05% | 2.73% | 2.40% | 2.68% | 3.50% | 3.76% | 3.39% | 3.05% | 3.17% |
Avg credit score | 737.52 | 747.91 | 747.57 | 753.69 | 748.01 | 747.37 | 744.11 | 751.17 | 753.90 |
Avg LTV (loan to value) | 66.03% | 53.54% | 61.24% | 67.81% | 69.26% | 69.27% | 71.55% | 72.81% | 75.80% |
Avg DTI (debt to income) | 39.76 | 36.04 | 32.25 | 31.88 | 33.64 | 34.35 | 33.20 | 31.36 | 31.28 |
Avg refinance insurance % | 2.72% | 0.53% | 1.25% | 2.53% | 3.50% | 3.90% | 4.01% | 4.36% | 6.24% |
Best Refinance Brokers around Challis, Idaho 83226
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Challis, Idaho 83226, we have compiled a list of top refinance brokers to assist you in the process.
Chet Lackey
Loan Officer
920 Deon Dr
Pocatello, ID 83226
(866) 437-0200
chet.lackey@chl.cc
Evelyn Ellett
Loan Officer
920 Deon Dr
Pocatello, ID 83226
(801) 747-2472
evelyn.ellett.idaho@chl.cc
Mike Wondergem
Loan Officer
920 Deon Dr
Pocatello, ID 83226
(801) 747-1227
mike.wondergem1@chl.cc
Russ Cottam
Loan Officer
920 Deon Dr
Pocatello, ID 83226
(801) 747-2496
russ.cottam@chl.cc
Natasha Lattin
Loan Officer
146 E Chubbuck Rd Ste C
Pocatello, ID 83226
(208) 233-4084
natasha@patriotlending.org
Address
920 Deon Dr
Pocatello, ID
Contact
(866) 437-0200
Fax (301) 639-0804
chet.lackey@chl.cc
Address
920 Deon Dr
Pocatello, ID
Contact
(801) 747-2472
Fax (301) 639-0804
evelyn.ellett.idaho@chl.cc
Address
920 Deon Dr
Pocatello, ID
Contact
(801) 747-1227
Fax (301) 639-0804
mike.wondergem1@chl.cc