Compare Today’s Refinance Rates for Post Falls, Idaho 83854
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Post Falls, Idaho 83854.
With a 30-year amortization refinance in Post Falls and surrounding areas of Kootenai county, our calculations show that you can expect to save up to $5,906 over the lifetime of your mortgage, or a monthly savings of $16. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Post Falls, Idaho 83854.
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Summary of Average Refinances in Post Falls, Idaho 83854
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Interactive Refinance Rate Projections for Post Falls, Idaho 83854
Pureloan has developed an interactive chart to monitor the five largest local lenders in Post Falls, ID 83854, 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 Post Falls, Idaho 83854 from 2024 - 2016
The following historical data provides insights into refinancing trends in Post Falls, Idaho and the surrounding Kootenai 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 | |
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% 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 Post Falls, Idaho 83854
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Post Falls, Idaho 83854, we have compiled a list of top refinance brokers to assist you in the process.
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