Compare Today’s Refinance Rates for Carson City, Michigan 48811
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Carson City, Michigan 48811.
With a 30-year amortization refinance in Carson City and surrounding areas of Montcalm county, our calculations show that you can expect to save up to $3,036 over the lifetime of your mortgage, or a monthly savings of $8. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Carson City, Michigan 48811.
Summary of Average Refinances in Carson City, Michigan 48811
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Interactive Refinance Rate Projections for Carson City, Michigan 48811
Pureloan has developed an interactive chart to monitor the five largest local lenders in Carson City, MI 48811, 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 Carson City, Michigan 48811 from 2024 - 2016
The following historical data provides insights into refinancing trends in Carson City, Michigan and the surrounding Montcalm 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 | 83.33% | 50.82% | 53.89% | 52.17% | 64.54% | 51.19% | 48.39% | 48.81% | 45.53% |
avg refi rate | 6.41% | 3.58% | 3.05% | 3.31% | 4.20% | 4.57% | 4.18% | 3.94% | 4.10% |
% 15 year fixed refinance | 12.50% | 30.43% | 28.77% | 29.71% | 21.68% | 34.83% | 38.06% | 35.63% | 37.29% |
avg refi rate | 5.75% | 2.78% | 2.50% | 2.77% | 3.68% | 3.92% | 3.40% | 3.16% | 3.24% |
Avg credit score | 731.46 | 740.42 | 755.31 | 761.75 | 750.31 | 741.58 | 748.17 | 753.26 | 758.42 |
Avg LTV (loan to value) | 59.33% | 61.93% | 66.45% | 70.01% | 73.22% | 70.37% | 72.10% | 74.19% | 74.03% |
Avg DTI (debt to income) | 38.71 | 32.11 | 31.26 | 31.08 | 32.44 | 32.23 | 32.53 | 31.21 | 30.84 |
Avg refinance insurance % | 5.83% | 1.21% | 2.35% | 3.75% | 5.95% | 4.04% | 4.51% | 5.41% | 5.50% |
Best Refinance Brokers around Carson City, Michigan 48811
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Carson City, Michigan 48811, we have compiled a list of top refinance brokers to assist you in the process.
Janine Erridge
Branch Manager
323 W. Main St
Carson City, MI 48811
(989) 584-3118
jerridge@ibcp.com
Nick Wright
Residential Loan Officer
129 Lansing St.
Charlotte, MI 48811
(517) 543-4972
nwright@ibcp.com
Tammy Surrey
Licensed Loan Originator
319 W Main St Ste A
Ionia, MI 48811
(616) 527-6000
TSurrey@newexecmtg.com
Michael Wolfe
Licensed Loan Originator
204 W Washington St
Greenville, MI 48811
(616) 225-9700
MWolfe@newexecmtg.com
Michelle Baker
Licensed Loan Originator
204 W Washington St
Greenville, MI 48811
(616) 225-9700
MBaker@newexecmtg.com
Address
323 W. Main St
Carson City, MI
Contact
(989) 584-3118
Fax (301) 639-0804
jerridge@ibcp.com
Address
129 Lansing St.
Charlotte, MI
Contact
(517) 543-4972
Fax (301) 639-0804
nwright@ibcp.com
Address
319 W Main St Ste A
Ionia, MI
Contact
(616) 527-6000
Fax (301) 639-0804
TSurrey@newexecmtg.com