Compare Today’s Refinance Rates for Oldtown, Idaho 83822
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Oldtown, Idaho 83822.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Oldtown, Idaho 83822. For 30-year amortization refinancing, you can expect lifetime cash savings of $4,848 or $13 per month in Oldtown and other parts of Bonner county.
Summary of Average Refinances in Oldtown, Idaho 83822
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Interactive Refinance Rate Projections for Oldtown, Idaho 83822
Pureloan has developed an interactive chart to monitor the five largest local lenders in Oldtown, ID 83822, 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 Oldtown, Idaho 83822 from 2024 - 2016
The following historical data provides insights into refinancing trends in Oldtown, Idaho and the surrounding Bonner 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 Oldtown, Idaho 83822
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Oldtown, Idaho 83822, 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 83822
(206) 774-7559
kseymour@evergreenhomeloans.com
Carol Sommerfeld
Loan Officer
105 Pine Street #109
Sandpoint, ID 83822
(208) 263-5300
csommerfeld@evergreenhomeloans.com
Matt Squires
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83822
(208) 770-3150
msquires@evergreenhomeloans.com
Cathy Pizzini
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83822
(208) 263-5300
teamevergreen@evergreenhomeloans.com
Greg Larson
Loan Officer
1118 W. Ironwood Dr.
Coeur d'Alene, ID 83822
(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