Compare Today’s Refinance Rates for Sandpoint, Idaho 83864
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Sandpoint, Idaho 83864.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,231 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Sandpoint and other areas of Bonner 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 Sandpoint, Idaho 83864
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Sandpoint, Idaho 83864
Pureloan has developed an interactive chart to monitor the five largest local lenders in Sandpoint, ID 83864, 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 Sandpoint, Idaho 83864 from 2024 - 2016
The following historical data provides insights into refinancing trends in Sandpoint, 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 Sandpoint, Idaho 83864
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Sandpoint, Idaho 83864, 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 83864
(208) 263-5300
csommerfeld@evergreenhomeloans.com
Address
105 Pine Street #109
Sandpoint, ID
Contact
(208) 263-5300
Fax (301) 639-0804
csommerfeld@evergreenhomeloans.com