Compare Today’s Refinance Rates for Ramsey, Illinois 62080
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Ramsey, Illinois 62080.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Ramsey, Illinois 62080. For 30-year amortization refinancing, you can expect lifetime cash savings of $3,102 or $9 per month in Ramsey and other parts of Fayette county.
39.078123
-89.105147
26778
Summary of Average Refinances in Ramsey, Illinois 62080
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
Become a certified mortgage expert on Pureloan.com
in Ramsey, Illinois 62080
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Ramsey, Illinois 62080
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ramsey, IL 62080, 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 Ramsey, Illinois 62080 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ramsey, Illinois and the surrounding Fayette 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 | 88.24% | 54.51% | 45.23% | 47.50% | 56.23% | 59.69% | 49.15% | 41.89% | 41.54% |
| avg refi rate | 6.40% | 3.93% | 3.01% | 3.23% | 4.19% | 4.50% | 4.02% | 3.82% | 4.00% |
| % 15 year fixed refinance | 11.76% | 33.48% | 36.37% | 35.19% | 25.22% | 28.57% | 33.56% | 28.42% | 33.46% |
| avg refi rate | 5.94% | 2.94% | 2.38% | 2.65% | 3.64% | 3.96% | 3.26% | 3.00% | 3.16% |
| Avg credit score | 739.47 | 736.56 | 753.23 | 761.33 | 752.13 | 792.89 | 745.51 | 752.77 | 753.18 |
| Avg LTV (loan to value) | 65.29% | 67.77% | 70.12% | 71.76% | 73.11% | 69.98% | 72.46% | 73.53% | 72.53% |
| Avg DTI (debt to income) | 37.41 | 31.35 | 30.48 | 29.95 | 32.02 | 31.13 | 31.42 | 30.92 | 31.10 |
| Avg refinance insurance % | 5.29% | 2.15% | 3.11% | 4.19% | 5.27% | 3.16% | 4.30% | 5.43% | 5.01% |
Best Refinance Brokers around Ramsey, Illinois 62080
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ramsey, Illinois 62080, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Larry Ziglar
Mortgage Lender
115 S Elm St
Staunton, IL 62080
(618) 635-2234
lziglar@fnbstaunton.com
Rory Makler
Mortgage Lender
115 S Elm St
Staunton, IL 62080
(618) 635-2234
rmakler@fnbstaunton.com
Anita Duda
Mortgage Lender
115 S Elm St
Staunton, IL 62080
(618) 635-2234
aduda@fnbstaunton.com
Karen Frey
Mortgage Lender
115 S Elm St
Staunton, IL 62080
(618) 635-2234
kfrey@fnbstaunton.com
Kim Meyer
Mortgage Lender
115 S Elm St
Staunton, IL 62080
(618) 635-2234
kmeyer@fnbstaunton.com
Address
115 S Elm St
Staunton, IL
Contact
(618) 635-2234
Fax (301) 639-0804
lziglar@fnbstaunton.com
Address
115 S Elm St
Staunton, IL
Contact
(618) 635-2234
Fax (301) 639-0804
rmakler@fnbstaunton.com
Address
115 S Elm St
Staunton, IL
Contact
(618) 635-2234
Fax (301) 639-0804
aduda@fnbstaunton.com