Compare Today’s Refinance Rates for Girard, Illinois 62640
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Girard, Illinois 62640.
With a 30-year amortization refinance in Girard and surrounding areas of Macoupin county, our calculations show that you can expect to save up to $3,624 over the lifetime of your mortgage, or a monthly savings of $10. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Girard, Illinois 62640.
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Summary of Average Refinances in Girard, Illinois 62640
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Girard, Illinois 62640
Pureloan has developed an interactive chart to monitor the five largest local lenders in Girard, IL 62640, 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 Girard, Illinois 62640 from 2024 - 2016
The following historical data provides insights into refinancing trends in Girard, Illinois and the surrounding Macoupin 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 Girard, Illinois 62640
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Girard, Illinois 62640, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Dawn Horrell
Mortgage Consultant
402 N 3rd St
Girard, IL 62640
(217) 627-2186
dhorrell@psbank.net
Amy Vollmer
Mortgage Loan Consultant
101 W Main St
Havana, IL 62640
(309) 277-2324
amy.vollmer@thenb.com
Scott Musch
President/Loan Officer
300 Washington St
Beardstown, IL 62640
(217) 323-4105
smusch@fnbbtown.com
Jason Brockschmidt
Loan Officer
300 Washington St
Beardstown, IL 62640
(217) 323-4105
jbrockschmidt@fnbbtown.com
Jeanette Harbin
Loan Officer
300 Washington St
Beardstown, IL 62640
(217) 323-4105
jharbin@fnbbtown.com
Address
402 N 3rd St
Girard, IL
Contact
(217) 627-2186
Fax (301) 639-0804
dhorrell@psbank.net
Address
101 W Main St
Havana, IL
Contact
(309) 277-2324
Fax (301) 639-0804
amy.vollmer@thenb.com
Address
300 Washington St
Beardstown, IL
Contact
(217) 323-4105
Fax (301) 639-0804
smusch@fnbbtown.com