Compare Today’s Refinance Rates for South Gardiner, Maine 04359
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in South Gardiner, Maine 04359.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $6,874 over the lifetime of your mortgage, which translates to a monthly savings of $19 in South Gardiner and other areas of Kennebec 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 South Gardiner, Maine 04359
Become a certified mortgage expert on Pureloan.com
in South Gardiner, Maine 04359
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for South Gardiner, Maine 04359
Pureloan has developed an interactive chart to monitor the five largest local lenders in South Gardiner, ME 04359, 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 South Gardiner, Maine 04359 from 2024 - 2016
The following historical data provides insights into refinancing trends in South Gardiner, Maine and the surrounding Kennebec 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 | 78.95% | 48.48% | 47.19% | 44.24% | 51.42% | 43.35% | 37.35% | 37.29% | 42.32% |
avg refi rate | 6.27% | 3.71% | 3.00% | 3.26% | 4.06% | 4.57% | 4.12% | 3.82% | 4.01% |
% 15 year fixed refinance | 15.79% | 34.24% | 33.63% | 35.57% | 28.25% | 40.30% | 39.72% | 43.33% | 37.28% |
avg refi rate | 6.13% | 2.77% | 2.45% | 2.73% | 3.48% | 3.80% | 3.22% | 2.94% | 3.10% |
Avg credit score | 745.53 | 741.72 | 760.12 | 761.82 | 756.17 | 745.35 | 747.06 | 756.57 | 758.71 |
Avg LTV (loan to value) | 56.42% | 64.21% | 67.48% | 70.68% | 71.57% | 68.32% | 71.49% | 71.99% | 72.71% |
Avg DTI (debt to income) | 37.74 | 32.08 | 30.27 | 30.13 | 31.34 | 31.47 | 31.75 | 30.04 | 29.48 |
Avg refinance insurance % | 1.64% | 2.21% | 3.82% | 5.35% | 3.30% | 5.17% | 4.69% | 4.73% |
Best Refinance Brokers around South Gardiner, Maine 04359
If you are considering refinancing your mortgage or obtaining a cash-out refinance in South Gardiner, Maine 04359, we have compiled a list of top refinance brokers to assist you in the process.
Michelle Richardson
Assistant Vice President & Branch Manager
84 Main St
Winthrop, ME 04359
(207) 377-5801 Ext. 22
mrichardson@kennebecsavings.com
Rick Burgess
Loan Officer
53 Crogan Rd
Bangor, ME 04359
(207) 848-7500
rick.burgess@mainelymortgages.com
Heather Massow
Loan Officer
262 Harlow St
Bangor, ME 04359
(207) 973-3500
hmassow@penquis.org
Dana Ward
Loan Officer
262 Harlow St
Bangor, ME 04359
(207) 973-3500
dward@penquis.org
Michael Brown
Loan Officer
PO Box 507
Dover Foxcroft, ME 04359
(207) 564-8644
mbrown@MaineHighlandsCreditUnion.com
Address
84 Main St
Winthrop, ME
Contact
(207) 377-5801 Ext. 22
Fax (301) 639-0804
mrichardson@kennebecsavings.com
Address
53 Crogan Rd
Bangor, ME
Contact
(207) 848-7500
Fax (301) 639-0804
rick.burgess@mainelymortgages.com
Address
262 Harlow St
Bangor, ME
Contact
(207) 973-3500
Fax (301) 639-0804
hmassow@penquis.org