Compare Today’s Refinance Rates for Vinalhaven, Maine 04863
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Vinalhaven, Maine 04863.
With a 30-year amortization refinance in Vinalhaven and surrounding areas of Knox county, our calculations show that you can expect to save up to $15,863 over the lifetime of your mortgage, or a monthly savings of $44. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Vinalhaven, Maine 04863.
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Summary of Average Refinances in Vinalhaven, Maine 04863
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Vinalhaven, Maine 04863
Pureloan has developed an interactive chart to monitor the five largest local lenders in Vinalhaven, ME 04863, 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 Vinalhaven, Maine 04863 from 2024 - 2016
The following historical data provides insights into refinancing trends in Vinalhaven, Maine and the surrounding Knox 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 | 82.61% | 58.01% | 56.80% | 55.14% | 62.60% | 54.95% | 52.28% | 52.83% | 54.68% |
| avg refi rate | 6.46% | 3.61% | 3.01% | 3.29% | 4.17% | 4.58% | 4.14% | 3.96% | 4.14% |
| % 15 year fixed refinance | 13.04% | 26.19% | 26.83% | 26.58% | 21.76% | 32.42% | 34.70% | 33.88% | 31.87% |
| avg refi rate | 5.78% | 2.81% | 2.47% | 2.80% | 3.64% | 3.91% | 3.39% | 3.20% | 3.38% |
| Avg credit score | 735.75 | 740.32 | 752.34 | 757.61 | 746.87 | 740.69 | 746.29 | 751.67 | 754.48 |
| Avg LTV (loan to value) | 62.64% | 61.38% | 65.49% | 69.51% | 73.18% | 67.93% | 70.23% | 71.59% | 72.41% |
| Avg DTI (debt to income) | 37.35 | 33.47 | 32.28 | 31.96 | 33.16 | 34.03 | 33.28 | 32.28 | 31.69 |
| Avg refinance insurance % | 2.29% | 1.30% | 2.21% | 3.64% | 5.58% | 3.00% | 3.69% | 4.13% | 4.54% |
Best Refinance Brokers around Vinalhaven, Maine 04863
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Vinalhaven, Maine 04863, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Mark Russell
Branch Manager
222 College Ave
Waterville, ME 04863
(207) 872-5602
mark@kswfcu.org
Denise Robinson
Loan Officer
222 College Ave
Waterville, ME 04863
(207) 872-5602
denise@kswfcu.org
Renee Pellerin
Loan Officer
222 College Ave
Waterville, ME 04863
(207) 872-5602
renee@kswfcu.org
David Grenier
Loan Officer
226 Main St
Waterville, ME 04863
(872) 556-3 Ext. 2314
dgrenier@kennebecsavings.com
Tracy Warren
Loan Officer
226 Main St
Waterville, ME 04863
(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