Compare Today’s Refinance Rates for Spencer, Idaho 83446
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Spencer, Idaho 83446.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,341 over the lifetime of your mortgage, which translates to a monthly savings of $12 in Spencer and other areas of Jefferson 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 Spencer, Idaho 83446
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Interactive Refinance Rate Projections for Spencer, Idaho 83446
Pureloan has developed an interactive chart to monitor the five largest local lenders in Spencer, ID 83446, 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 Spencer, Idaho 83446 from 2024 - 2016
The following historical data provides insights into refinancing trends in Spencer, Idaho and the surrounding Jefferson 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 | 85.71% | 66.03% | 66.13% | 63.37% | 71.61% | 67.52% | 65.28% | 57.20% | 62.67% |
avg refi rate | 6.16% | 3.73% | 2.89% | 3.16% | 4.04% | 4.50% | 4.05% | 3.88% | 4.03% |
% 15 year fixed refinance | 10.71% | 22.97% | 20.39% | 25.39% | 16.53% | 21.37% | 27.98% | 34.80% | 28.00% |
avg refi rate | 5.08% | 2.73% | 2.42% | 2.72% | 3.53% | 3.85% | 3.19% | 3.13% | 3.24% |
Avg credit score | 747.93 | 749.81 | 754.18 | 757.25 | 748.27 | 738.60 | 745.99 | 751.22 | 756.64 |
Avg LTV (loan to value) | 61.54% | 48.69% | 57.96% | 65.08% | 66.74% | 69.41% | 71.05% | 71.83% | 75.00% |
Avg DTI (debt to income) | 37.68 | 32.72 | 31.35 | 31.49 | 33.31 | 34.56 | 33.24 | 32.08 | 31.89 |
Avg refinance insurance % | 0.86% | 0.35% | 0.93% | 1.74% | 2.29% | 2.99% | 2.94% | 4.73% | 7.77% |
Best Refinance Brokers around Spencer, Idaho 83446
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Spencer, Idaho 83446, we have compiled a list of top refinance brokers to assist you in the process.
Ginger Crystal
Loan Lender
375 Yellowstone Ave
Idaho Falls, ID 83446
(208) 523-2020
ginger.crystal@bankofcommerce.org
K. Cook
Loan Lender
375 Yellowstone Ave
Idaho Falls, ID 83446
(208) 523-2020
kcook@bankofcommerce.org
Cathy Starrett
Loan Officer,
1290 Arrowhead Plaza Way
Driggs, ID 83446
(208) 270-2098
cstarrett@stearns.com
Address
375 Yellowstone Ave
Idaho Falls, ID
Contact
(208) 523-2020
Fax (301) 639-0804
ginger.crystal@bankofcommerce.org
Address
375 Yellowstone Ave
Idaho Falls, ID
Contact
(208) 523-2020
Fax (301) 639-0804
kcook@bankofcommerce.org
Address
1290 Arrowhead Plaza Way
Driggs, ID
Contact
(208) 270-2098
Fax (301) 639-0804
cstarrett@stearns.com