Compare Today’s Refinance Rates for Murphy, Idaho 83650
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Murphy, Idaho 83650.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,153 over the lifetime of your mortgage, which translates to a monthly savings of $20 in Murphy and other areas of Owyhee 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.
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Summary of Average Refinances in Murphy, Idaho 83650
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Murphy, Idaho 83650
Pureloan has developed an interactive chart to monitor the five largest local lenders in Murphy, ID 83650, 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 Murphy, Idaho 83650 from 2024 - 2016
The following historical data provides insights into refinancing trends in Murphy, Idaho and the surrounding Owyhee 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 | 96.97% | 70.53% | 73.93% | 74.28% | 73.91% | 74.76% | 62.94% | 65.47% | 65.01% |
| avg refi rate | 6.34% | 3.65% | 2.94% | 3.30% | 4.03% | 4.61% | 4.16% | 3.94% | 4.11% |
| % 15 year fixed refinance | 3.03% | 18.95% | 16.03% | 15.69% | 13.88% | 17.67% | 26.11% | 25.82% | 23.40% |
| avg refi rate | 4.63% | 2.69% | 2.43% | 2.78% | 3.50% | 3.92% | 3.47% | 3.23% | 3.35% |
| Avg credit score | 757.42 | 747.49 | 750.99 | 754.39 | 749.06 | 742.92 | 743.83 | 753.34 | 757.71 |
| Avg LTV (loan to value) | 52.12% | 48.28% | 56.66% | 65.19% | 67.60% | 64.82% | 68.09% | 71.58% | 71.75% |
| Avg DTI (debt to income) | 37.73 | 33.17 | 32.60 | 32.70 | 33.30 | 34.63 | 33.81 | 32.06 | 32.32 |
| Avg refinance insurance % | 1.76% | 0.46% | 0.76% | 2.06% | 2.93% | 1.73% | 2.66% | 4.92% | 4.41% |
Best Refinance Brokers around Murphy, Idaho 83650
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Murphy, Idaho 83650, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
D. Mcdaid
Loan Officer
4035 Granite View Road
New Meadows, ID 83650
(800) 860-6983
dmcdaid@financialfreedom.com
Kathy Smith
Loan Officer
Nampa, ID 83650
(208) 466-3010
milliuser@aol.com
JJ. Lombardy
Loan Agent
1818 Science Center Drive
Boise, ID 83650
(208) 588-1384
JJLombardi@garridomortgage.com
Kristin Porter
Loan Agent
1101 W River St Ste 110
Boise, ID 83650
(208) 389-4709
kcolfer@cableone.net
Debbie Andrews
Escrow Officer
8151 W Rifleman St
Boise, ID 83650
(208) 373-3639
debbiea@pioneertitleco.com
Address
4035 Granite View Road
New Meadows, ID
Contact
(800) 860-6983
Fax (301) 639-0804
dmcdaid@financialfreedom.com
Address
Nampa, ID
Contact
(208) 466-3010
Fax (301) 639-0804
milliuser@aol.com
Address
1818 Science Center Drive
Boise, ID
Contact
(208) 588-1384
Fax (301) 639-0804
JJLombardi@garridomortgage.com