Compare Today’s Refinance Rates for Saint Maries, Idaho 83861
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Maries, Idaho 83861.
With a 30-year amortization refinance in Saint Maries and surrounding areas of Benewah county, our calculations show that you can expect to save up to $5,838 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 Saint Maries, Idaho 83861.
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Summary of Average Refinances in Saint Maries, Idaho 83861
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Saint Maries, Idaho 83861
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Maries, ID 83861, 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 Saint Maries, Idaho 83861 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Maries, Idaho and the surrounding Benewah 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 Saint Maries, Idaho 83861
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Maries, Idaho 83861, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Carol Sommerfeld
Loan Officer
105 Pine Street #109
Sandpoint, ID 83861
(208) 263-5300
csommerfeld@evergreenhomeloans.com
Address
105 Pine Street #109
Sandpoint, ID
Contact
(208) 263-5300
Fax (301) 639-0804
csommerfeld@evergreenhomeloans.com