Compare Today’s Refinance Rates for Quincy, Illinois 62301
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Quincy, Illinois 62301.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,743 over the lifetime of your mortgage, which translates to a monthly savings of $13 in Quincy and other areas of Adams 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 Quincy, Illinois 62301
Become a certified mortgage expert on Pureloan.com
in Quincy, Illinois 62301
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Quincy, Illinois 62301
Pureloan has developed an interactive chart to monitor the five largest local lenders in Quincy, IL 62301, 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 Quincy, Illinois 62301 from 2024 - 2016
The following historical data provides insights into refinancing trends in Quincy, Illinois and the surrounding Adams 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 | 50.00% | 40.00% | 45.83% | 44.44% | 41.11% | 38.03% | 28.33% | 27.21% | |
avg refi rate | 4.11% | 3.74% | 3.90% | 4.45% | 3.42% | 3.83% | 4.41% | 4.77% | |
% 15 year fixed refinance | 28.57% | 52.00% | 33.33% | 38.89% | 41.11% | 42.96% | 49.17% | 47.06% | |
avg refi rate | 3.13% | 3.04% | 2.97% | 3.46% | 2.77% | 3.08% | 3.59% | 4.11% | |
Avg credit score | 726.43 | 741.36 | 750.58 | 721.78 | 761.51 | 764.54 | 767.75 | 772.63 | |
Avg LTV (loan to value) | 71.43% | 74.08% | 73.04% | 67.22% | 69.30% | 67.25% | 66.97% | 64.72% | |
Avg DTI (debt to income) | 29.79 | 31.44 | 30.04 | 32.94 | 31.11 | 29.46 | 29.66 | 28.21 | |
Avg refinance insurance % | 2.57% | 6.52% | 2.58% | 0.67% | 3.67% | 2.45% | 1.41% | 1.13% |
Best Refinance Brokers around Quincy, Illinois 62301
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Quincy, Illinois 62301, we have compiled a list of top refinance brokers to assist you in the process.
Nicole Sawin
Mortgage Banker
725 Hampshire St.
Quincy, IL 62301
(800) 270-3416
nicolesawin@leader1.com
Stephanie Root
Branch Relations Manager
1891 Maine Street, Suite 1
Quincy, IL 62301
(608) 781-2881
stephanie@teamusamtg.com
Shelley Goings
Operations Manager
1891 Maine Street, Suite 1
Quincy, IL 62301
(608) 781-2881
sgoings@teamusamtg.com
Paul Norby
Executive Vice President
1891 Maine Street, Suite 1
Quincy, IL 62301
(608) 781-2881
pnorby@teamusamtg.com
Deb Root
Quality Compliance Manager
1891 Maine Street, Suite 1
Quincy, IL 62301
(952) 888-4491
debroot@teamusamtg.com
Address
725 Hampshire St.
Quincy, IL
Contact
(800) 270-3416
Fax (301) 639-0804
nicolesawin@leader1.com
Address
1891 Maine Street, Suite 1
Quincy, IL
Contact
(608) 781-2881
Fax (301) 639-0804
stephanie@teamusamtg.com
Address
1891 Maine Street, Suite 1
Quincy, IL
Contact
(608) 781-2881
Fax (301) 639-0804
sgoings@teamusamtg.com