Compare Today’s Refinance Rates for Bone Gap, Illinois 62815
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Bone Gap, Illinois 62815.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Bone Gap, Illinois 62815. For 30-year amortization refinancing, you can expect lifetime cash savings of $1,034 or $3 per month in Bone Gap and other parts of Edwards county.
Summary of Average Refinances in Bone Gap, Illinois 62815
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Interactive Refinance Rate Projections for Bone Gap, Illinois 62815
Pureloan has developed an interactive chart to monitor the five largest local lenders in Bone Gap, IL 62815, 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 Bone Gap, Illinois 62815 from 2024 - 2016
The following historical data provides insights into refinancing trends in Bone Gap, Illinois and the surrounding Edwards 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 | 42.21% | 43.72% | 37.93% | 49.84% | 40.10% | 40.34% | 38.55% | 54.27% | |
| avg refi rate | 3.95% | 3.92% | 4.11% | 4.51% | 3.74% | 3.96% | 4.53% | 4.83% | |
| % 15 year fixed refinance | 37.19% | 30.42% | 33.70% | 30.10% | 35.17% | 34.69% | 40.15% | 33.94% | |
| avg refi rate | 3.20% | 3.12% | 3.21% | 3.54% | 2.98% | 3.24% | 3.78% | 4.21% | |
| Avg credit score | 759.66 | 761.43 | 758.70 | 754.77 | 766.58 | 769.75 | 766.48 | 768.91 | |
| Avg LTV (loan to value) | 74.79% | 74.63% | 74.45% | 75.36% | 70.82% | 69.70% | 67.56% | 68.97% | |
| Avg DTI (debt to income) | 31.52 | 31.20 | 31.34 | 31.75 | 30.35 | 29.70 | 30.58 | 29.93 | |
| Avg refinance insurance % | 5.49% | 5.82% | 5.34% | 5.41% | 3.79% | 2.79% | 2.12% | 2.04% |
Best Refinance Brokers around Bone Gap, Illinois 62815
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Bone Gap, Illinois 62815, we have compiled a list of top refinance brokers to assist you in the process.
Matt Olszewski
Loan officer
520 S 42nd St
Mount Vernon, IL 62815
(800) 554-8969
mOlszewski@peoplesbankdirect.com
Mike Osenglewski
Loan officer
520 S 42nd St
Mount Vernon, IL 62815
(815) 936-7620
mosenglewski@peoplesbankdirect.com
Mimi Barnes
Loan officer
520 S 42nd St
Mount Vernon, IL 62815
(815) 936-7623
mbarnes@peoplesbankdirect.com
Sheila Burcham
Loan Officer
1425 E Mccord St
Centralia, IL 62815
(618) 249-6218
sburcham@communitytrustbk.com
Dax Garrison
Loan Officer
1425 E Mccord St
Centralia, IL 62815
(618) 249-6218
dgarrison@communitytrustbk.com
Address
520 S 42nd St
Mount Vernon, IL
Contact
(800) 554-8969
Fax (301) 639-0804
mOlszewski@peoplesbankdirect.com
Address
520 S 42nd St
Mount Vernon, IL
Contact
(815) 936-7620
Fax (301) 639-0804
mosenglewski@peoplesbankdirect.com
Address
520 S 42nd St
Mount Vernon, IL
Contact
(815) 936-7623
Fax (301) 639-0804
mbarnes@peoplesbankdirect.com