Compare Today’s Refinance Rates for Housatonic, Massachusetts 01236
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Housatonic, Massachusetts 01236.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,950 over the lifetime of your mortgage, which translates to a monthly savings of $22 in Housatonic and other areas of Berkshire 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 Housatonic, Massachusetts 01236
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Interactive Refinance Rate Projections for Housatonic, Massachusetts 01236
Pureloan has developed an interactive chart to monitor the five largest local lenders in Housatonic, MA 01236, 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 Housatonic, Massachusetts 01236 from 2024 - 2016
The following historical data provides insights into refinancing trends in Housatonic, Massachusetts and the surrounding Berkshire 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 | 33.33% | 46.51% | 44.13% | 36.41% | 49.25% | 52.78% | 41.10% | 32.20% | 30.30% |
avg refi rate | 7.50% | 3.61% | 3.07% | 3.32% | 4.30% | 4.52% | 4.11% | 3.83% | 3.96% |
% 15 year fixed refinance | 66.67% | 33.72% | 36.15% | 42.12% | 32.84% | 33.33% | 45.21% | 50.00% | 44.44% |
avg refi rate | 5.94% | 2.88% | 2.50% | 2.77% | 3.69% | 3.67% | 3.01% | 2.90% | 3.11% |
Avg credit score | 760.00 | 749.17 | 754.96 | 762.29 | 752.66 | 741.22 | 755.77 | 760.75 | 761.86 |
Avg LTV (loan to value) | 66.33% | 65.74% | 71.79% | 73.80% | 72.09% | 70.06% | 74.55% | 74.01% | 73.30% |
Avg DTI (debt to income) | 29.67 | 33.80 | 33.20 | 32.93 | 35.00 | 35.36 | 34.05 | 33.99 | 34.06 |
Avg refinance insurance % | 10.00% | 1.28% | 3.50% | 4.76% | 5.13% | 6.31% | 5.04% | 5.73% | 6.12% |
Best Refinance Brokers around Housatonic, Massachusetts 01236
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Housatonic, Massachusetts 01236, we have compiled a list of top refinance brokers to assist you in the process.
Sarah Gaffey
Community Development Lender
93 Main Street
North Adams, MA 01236
(413) 663-2118
sarah.gaffey@mountainone.com
Jamie Pollard
Loan Officer
395 Main Street
Dalton, MA 01236
(413) 684-3140
jamie.pollard@academymortgage.com
Louis Belezos
Avp, Market Manager
24 North Street
Pittsfield, MA 01236
(617) 480-6673
lbelezos@berkshirebank.com
Curtis Blau
Senior Mortgage Loan R
24 North Street
Pittsfield, MA 01236
(781) 726-6095 Ext. 167
cblau@berkshirebank.com
John Dematos
Senior Mortgage Loan R
24 North Street
Pittsfield, MA 01236
(978) 853-7302
jdematos@berkshirebank.com
Address
93 Main Street
North Adams, MA
Contact
(413) 663-2118
Fax (301) 639-0804
sarah.gaffey@mountainone.com
Address
395 Main Street
Dalton, MA
Contact
(413) 684-3140
Fax (301) 639-0804
jamie.pollard@academymortgage.com
Address
24 North Street
Pittsfield, MA
Contact
(617) 480-6673
Fax (301) 639-0804
lbelezos@berkshirebank.com