Compare Today’s Refinance Rates for Vermont, Illinois 61484
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Vermont, Illinois 61484.
With a 30-year amortization refinance in Vermont and surrounding areas of Fulton county, our calculations show that you can expect to save up to $1,056 over the lifetime of your mortgage, or a monthly savings of $3. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Vermont, Illinois 61484.
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Summary of Average Refinances in Vermont, Illinois 61484
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Vermont, Illinois 61484
Pureloan has developed an interactive chart to monitor the five largest local lenders in Vermont, IL 61484, 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 Vermont, Illinois 61484 from 2024 - 2016
The following historical data provides insights into refinancing trends in Vermont, Illinois and the surrounding Fulton 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 Vermont, Illinois 61484
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Vermont, Illinois 61484, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Diane DeMay
Loan Officer
102 W Main St
Toulon, IL 61484
(309) 852-3366
ddemay@statebankoftoulon.com
Phil Daum
Loan Officer
102 W Main St
Toulon, IL 61484
(309) 286-2861
pdaum@statebankoftoulon.com
Doug Blunier
Loan Officer
102 W Main St
Toulon, IL 61484
(309) 286-2861
dblunier@statebankoftoulon.com
June Harnacke
Loan Officer
134 S Sampson St
Tremont, IL 61484
(217) 445-2211
june@newhollandbank.com
Keith Garlish
Loans officer
7508 N. Kickapoo Edwards Road
Edwards, IL 61484
(309) 676-0069
kgarlis@1stfarmcredit.com
Address
102 W Main St
Toulon, IL
Contact
(309) 852-3366
Fax (301) 639-0804
ddemay@statebankoftoulon.com
Address
102 W Main St
Toulon, IL
Contact
(309) 286-2861
Fax (301) 639-0804
pdaum@statebankoftoulon.com
Address
102 W Main St
Toulon, IL
Contact
(309) 286-2861
Fax (301) 639-0804
dblunier@statebankoftoulon.com