Compare Today’s Refinance Rates for Desmet, Idaho 83824
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Desmet, Idaho 83824.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,014 over the lifetime of your mortgage, which translates to a monthly savings of $11 in Desmet and other areas of Benewah 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 Desmet, Idaho 83824
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Interactive Refinance Rate Projections for Desmet, Idaho 83824
Pureloan has developed an interactive chart to monitor the five largest local lenders in Desmet, ID 83824, 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 Desmet, Idaho 83824 from 2024 - 2016
The following historical data provides insights into refinancing trends in Desmet, Idaho and the surrounding Benewah 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 | 86.36% | 67.87% | 72.27% | 73.32% | 76.77% | 72.79% | 67.53% | 66.86% | 64.29% |
avg refi rate | 6.35% | 3.71% | 2.97% | 3.29% | 4.07% | 4.51% | 4.12% | 3.87% | 4.06% |
% 15 year fixed refinance | 9.09% | 17.67% | 18.62% | 16.72% | 14.84% | 20.41% | 26.15% | 26.82% | 25.26% |
avg refi rate | 6.06% | 2.69% | 2.49% | 2.81% | 3.64% | 3.99% | 3.26% | 3.08% | 3.27% |
Avg credit score | 749.18 | 750.11 | 756.81 | 761.28 | 754.47 | 749.54 | 753.06 | 757.46 | 761.00 |
Avg LTV (loan to value) | 58.55% | 47.79% | 55.34% | 63.60% | 65.08% | 63.22% | 65.41% | 67.99% | 70.08% |
Avg DTI (debt to income) | 38.50 | 34.68 | 32.68 | 32.33 | 34.04 | 34.59 | 32.32 | 32.20 | 31.41 |
Avg refinance insurance % | 1.36% | 0.34% | 0.69% | 1.71% | 2.31% | 1.37% | 2.89% | 3.40% | 4.75% |
Best Refinance Brokers around Desmet, Idaho 83824
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Desmet, Idaho 83824, we have compiled a list of top refinance brokers to assist you in the process.
Kathryn Seymour
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83824
(206) 774-7559
kseymour@evergreenhomeloans.com
Carol Sommerfeld
Loan Officer
105 Pine Street #109
Sandpoint, ID 83824
(208) 263-5300
csommerfeld@evergreenhomeloans.com
Matt Squires
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83824
(208) 770-3150
msquires@evergreenhomeloans.com
Cathy Pizzini
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83824
(208) 263-5300
teamevergreen@evergreenhomeloans.com
Greg Larson
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83824
(208) 770-3150
glarson@evergreenhomeloans.com
Address
1118 W. Ironwood Dr.
Coeur d'Alene, ID
Contact
(206) 774-7559
Fax (301) 639-0804
kseymour@evergreenhomeloans.com
Address
105 Pine Street #109
Sandpoint, ID
Contact
(208) 263-5300
Fax (301) 639-0804
csommerfeld@evergreenhomeloans.com
Address
1118 W. Ironwood Dr.
Coeur d'Alene, ID
Contact
(208) 770-3150
Fax (301) 639-0804
msquires@evergreenhomeloans.com