Compare Today’s Refinance Rates for Garland, Maine 04939
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Garland, Maine 04939.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $9,820 over the lifetime of your mortgage, which translates to a monthly savings of $27 in Garland and other areas of Penobscot 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 Garland, Maine 04939
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Interactive Refinance Rate Projections for Garland, Maine 04939
Pureloan has developed an interactive chart to monitor the five largest local lenders in Garland, ME 04939, 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 Garland, Maine 04939 from 2024 - 2016
The following historical data provides insights into refinancing trends in Garland, Maine and the surrounding Penobscot 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 | 92.00% | 58.67% | 56.77% | 56.14% | 64.97% | 66.28% | 54.33% | 51.54% | 48.64% |
avg refi rate | 6.40% | 3.70% | 3.02% | 3.30% | 4.23% | 4.53% | 4.04% | 3.89% | 4.03% |
% 15 year fixed refinance | 4.00% | 26.89% | 26.30% | 27.88% | 20.83% | 25.36% | 33.15% | 34.71% | 35.50% |
avg refi rate | 5.63% | 2.90% | 2.48% | 2.77% | 3.64% | 3.90% | 3.30% | 3.13% | 3.23% |
Avg credit score | 744.32 | 743.40 | 758.51 | 762.12 | 753.06 | 766.51 | 748.09 | 754.11 | 756.24 |
Avg LTV (loan to value) | 56.44% | 59.61% | 64.02% | 66.46% | 69.19% | 68.54% | 69.83% | 70.28% | 70.83% |
Avg DTI (debt to income) | 34.24 | 32.71 | 31.25 | 30.65 | 31.75 | 32.12 | 31.96 | 31.25 | 31.07 |
Avg refinance insurance % | 3.20% | 1.46% | 1.86% | 2.78% | 5.24% | 3.62% | 4.15% | 3.95% | 3.76% |
Best Refinance Brokers around Garland, Maine 04939
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Garland, Maine 04939, we have compiled a list of top refinance brokers to assist you in the process.
Mark Russell
Branch Manager
222 College Ave
Waterville, ME 04939
(207) 872-5602
mark@kswfcu.org
Denise Robinson
Loan Officer
222 College Ave
Waterville, ME 04939
(207) 872-5602
denise@kswfcu.org
Renee Pellerin
Loan Officer
222 College Ave
Waterville, ME 04939
(207) 872-5602
renee@kswfcu.org
David Grenier
Loan Officer
226 Main St
Waterville, ME 04939
(872) 556-3 Ext. 2314
dgrenier@kennebecsavings.com
Tracy Warren
Loan Officer
226 Main St
Waterville, ME 04939
(872) 556-3 Ext. 2310
twarren@kennebecsavings.com
Address
222 College Ave
Waterville, ME
Contact
(207) 872-5602
Fax (301) 639-0804
mark@kswfcu.org
Address
222 College Ave
Waterville, ME
Contact
(207) 872-5602
Fax (301) 639-0804
denise@kswfcu.org
Address
222 College Ave
Waterville, ME
Contact
(207) 872-5602
Fax (301) 639-0804
renee@kswfcu.org