Compare Today’s Refinance Rates for Howe, Idaho 83244
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Howe, Idaho 83244.
With a 30-year amortization refinance in Howe and surrounding areas of Butte county, our calculations show that you can expect to save up to $5,034 over the lifetime of your mortgage, or a monthly savings of $14. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Howe, Idaho 83244.
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Summary of Average Refinances in Howe, Idaho 83244
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Howe, Idaho 83244
Pureloan has developed an interactive chart to monitor the five largest local lenders in Howe, ID 83244, 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 Howe, Idaho 83244 from 2024 - 2016
The following historical data provides insights into refinancing trends in Howe, Idaho and the surrounding Butte 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 Howe, Idaho 83244
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Howe, Idaho 83244, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Chet Lackey
Loan Officer
920 Deon Dr
Pocatello, ID 83244
(866) 437-0200
chet.lackey@chl.cc
Evelyn Ellett
Loan Officer
920 Deon Dr
Pocatello, ID 83244
(801) 747-2472
evelyn.ellett.idaho@chl.cc
Mike Wondergem
Loan Officer
920 Deon Dr
Pocatello, ID 83244
(801) 747-1227
mike.wondergem1@chl.cc
Russ Cottam
Loan Officer
920 Deon Dr
Pocatello, ID 83244
(801) 747-2496
russ.cottam@chl.cc
Natasha Lattin
Loan Officer
146 E Chubbuck Rd Ste C
Pocatello, ID 83244
(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