Compare Today’s Refinance Rates for Shirley, Massachusetts 01464
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Shirley, Massachusetts 01464.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Shirley, Massachusetts 01464. For 30-year amortization refinancing, you can expect lifetime cash savings of $17,119 or $48 per month in Shirley and other parts of Middlesex county.
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Summary of Average Refinances in Shirley, Massachusetts 01464
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Shirley, Massachusetts 01464
Pureloan has developed an interactive chart to monitor the five largest local lenders in Shirley, MA 01464, 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 Shirley, Massachusetts 01464 from 2024 - 2016
The following historical data provides insights into refinancing trends in Shirley, Massachusetts and the surrounding Middlesex 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 | 55.56% | 39.84% | 37.65% | 32.65% | 42.77% | 39.66% | 25.37% | 32.60% | 32.63% |
| avg refi rate | 6.41% | 3.78% | 3.00% | 3.30% | 4.34% | 4.64% | 4.20% | 3.94% | 3.97% |
| % 15 year fixed refinance | 27.78% | 42.58% | 44.63% | 47.42% | 38.36% | 47.41% | 58.71% | 54.21% | 56.84% |
| avg refi rate | 5.60% | 2.78% | 2.50% | 2.79% | 3.70% | 3.90% | 3.35% | 3.12% | 3.20% |
| Avg credit score | 769.00 | 750.26 | 761.99 | 764.59 | 750.21 | 750.33 | 749.89 | 758.90 | 754.52 |
| Avg LTV (loan to value) | 53.72% | 63.27% | 65.86% | 69.68% | 70.36% | 71.78% | 72.83% | 73.42% | 74.48% |
| Avg DTI (debt to income) | 36.44 | 33.82 | 32.73 | 32.78 | 33.63 | 34.26 | 34.78 | 32.97 | 32.60 |
| Avg refinance insurance % | 0.67% | 1.51% | 1.68% | 2.81% | 4.04% | 3.85% | 3.49% | 4.43% | 5.57% |
Best Refinance Brokers around Shirley, Massachusetts 01464
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Shirley, Massachusetts 01464, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Jalila Salinas
Littleton Branch Manager
265 Great Road
Littleton, MA 01464
(978) 486-3543
jsalinas@nbtc.com
Nancy Burns
Loan Officer
P.O. Box 280
Shrewsbury, MA 01464
(866) 692-9327
NBurns@centralfcu.com
Susan darling
Loan Officer
P.O. Box 280
Shrewsbury, MA 01464
(866) 692-9327
Sdarling@centralfcu.com
Joan Day
Loan Officer
P.O. Box 280
Shrewsbury, MA 01464
(866) 692-9327
JDay@centralfcu.com
jeffrey dunn
Loan Officer
P.O. Box 280
Shrewsbury, MA 01464
(866) 692-9327
jdunn@centralfcu.com
Address
265 Great Road
Littleton, MA
Contact
(978) 486-3543
Fax (301) 639-0804
jsalinas@nbtc.com
Address
P.O. Box 280
Shrewsbury, MA
Contact
(866) 692-9327
Fax (301) 639-0804
NBurns@centralfcu.com
Address
P.O. Box 280
Shrewsbury, MA
Contact
(866) 692-9327
Fax (301) 639-0804
Sdarling@centralfcu.com