Compare Today’s Refinance Rates for Payette, Idaho 83661
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Payette, Idaho 83661.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $6,801 over the lifetime of your mortgage, which translates to a monthly savings of $19 in Payette and other areas of Payette 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 Payette, Idaho 83661
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Interactive Refinance Rate Projections for Payette, Idaho 83661
Pureloan has developed an interactive chart to monitor the five largest local lenders in Payette, ID 83661, 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 Payette, Idaho 83661 from 2024 - 2016
The following historical data provides insights into refinancing trends in Payette, Idaho and the surrounding Payette 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 Payette, Idaho 83661
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Payette, Idaho 83661, we have compiled a list of top refinance brokers to assist you in the process.
JJ. Lombardy
Loan Agent
1818 Science Center Drive
Boise, ID 83661
(208) 588-1384
JJLombardi@garridomortgage.com
Kristin Porter
Loan Agent
1101 W River St Ste 110
Boise, ID 83661
(208) 389-4709
kcolfer@cableone.net
Debbie Andrews
Escrow Officer
8151 W Rifleman St
Boise, ID 83661
(208) 373-3639
debbiea@pioneertitleco.com
Lonnie Park
Loan Officer
901 N Balsam St
Boise, ID 83661
(208) 869-0763
lparkplace@yahoo.com
Susan King
Loan Officer
8921 W Hackamore Dr
Boise, ID 83661
(208) 947-5555
sking@envoymortgage.com
Address
1818 Science Center Drive
Boise, ID
Contact
(208) 588-1384
Fax (301) 639-0804
JJLombardi@garridomortgage.com
Address
1101 W River St Ste 110
Boise, ID
Contact
(208) 389-4709
Fax (301) 639-0804
kcolfer@cableone.net
Address
8151 W Rifleman St
Boise, ID
Contact
(208) 373-3639
Fax (301) 639-0804
debbiea@pioneertitleco.com