Compare Today’s Refinance Rates for Saint Augustine, Illinois 61474
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Augustine, Illinois 61474.
With a 30-year amortization refinance in Saint Augustine and surrounding areas of Knox county, our calculations show that you can expect to save up to $2,233 over the lifetime of your mortgage, or a monthly savings of $6. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Saint Augustine, Illinois 61474.
Summary of Average Refinances in Saint Augustine, Illinois 61474
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Interactive Refinance Rate Projections for Saint Augustine, Illinois 61474
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Augustine, IL 61474, 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 Saint Augustine, Illinois 61474 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Augustine, Illinois and the surrounding Knox 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 | 89.47% | 46.48% | 38.95% | 39.11% | 51.84% | 62.75% | 47.58% | 36.68% | 39.77% |
| avg refi rate | 6.43% | 3.76% | 2.98% | 3.20% | 4.24% | 4.55% | 4.11% | 3.79% | 3.97% |
| % 15 year fixed refinance | 5.26% | 42.61% | 41.58% | 40.96% | 34.36% | 27.45% | 38.29% | 48.49% | 44.32% |
| avg refi rate | 6.50% | 2.81% | 2.40% | 2.63% | 3.55% | 3.84% | 3.26% | 2.95% | 3.07% |
| Avg credit score | 742.84 | 777.14 | 762.58 | 766.15 | 751.47 | 746.37 | 752.87 | 754.41 | 759.78 |
| Avg LTV (loan to value) | 63.00% | 65.68% | 67.49% | 70.61% | 70.17% | 73.75% | 71.90% | 72.44% | 73.51% |
| Avg DTI (debt to income) | 31.32 | 32.20 | 31.42 | 30.69 | 32.02 | 33.93 | 32.35 | 31.75 | 31.77 |
| Avg refinance insurance % | 0.63% | 2.18% | 2.54% | 3.32% | 3.53% | 4.31% | 4.20% | 4.14% | 4.63% |
Best Refinance Brokers around Saint Augustine, Illinois 61474
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Augustine, Illinois 61474, we have compiled a list of top refinance brokers to assist you in the process.
June Harnacke
Loan Officer
134 S Sampson St
Tremont, IL 61474
(217) 445-2211
june@newhollandbank.com
Keith Garlish
Loans officer
7508 N. Kickapoo Edwards Road
Edwards, IL 61474
(309) 676-0069
kgarlis@1stfarmcredit.com
Mary Malone
Lending Services Administrator
7508 N. Kickapoo Edwards Road
Edwards, IL 61474
(309) 676-0069
mmalon1@1stfarmcredit.com
Jill Shafer
Lending Services Administrator
7508 N. Kickapoo Edwards Road
Edwards, IL 61474
(309) 676-0069
jshafer@1stfarmcredit.com
Rodney Robenstein
Loans officer
515 E. Courtland St.
Morton, IL 61474
(309) 266-7059
rrobens@1stfarmcredit.com
Address
134 S Sampson St
Tremont, IL
Contact
(217) 445-2211
Fax (301) 639-0804
june@newhollandbank.com
Address
7508 N. Kickapoo Edwards Road
Edwards, IL
Contact
(309) 676-0069
Fax (301) 639-0804
kgarlis@1stfarmcredit.com
Address
7508 N. Kickapoo Edwards Road
Edwards, IL
Contact
(309) 676-0069
Fax (301) 639-0804
mmalon1@1stfarmcredit.com