Compare Today’s Refinance Rates for Hale, Michigan 48739
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Hale, Michigan 48739.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,368 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Hale and other areas of Iosco 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 Hale, Michigan 48739
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Interactive Refinance Rate Projections for Hale, Michigan 48739
Pureloan has developed an interactive chart to monitor the five largest local lenders in Hale, MI 48739, 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 Hale, Michigan 48739 from 2024 - 2016
The following historical data provides insights into refinancing trends in Hale, Michigan and the surrounding Iosco 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 | 66.67% | 49.17% | 42.59% | 37.38% | 53.76% | 50.63% | 41.44% | 31.30% | 41.88% |
| avg refi rate | 6.47% | 3.91% | 3.03% | 3.32% | 4.38% | 4.58% | 4.11% | 3.94% | 4.07% |
| % 15 year fixed refinance | 33.33% | 30.83% | 38.16% | 43.74% | 30.11% | 32.91% | 43.24% | 50.43% | 49.57% |
| avg refi rate | 6.13% | 2.98% | 2.54% | 2.87% | 3.84% | 4.00% | 3.32% | 3.09% | 3.25% |
| Avg credit score | 733.33 | 737.74 | 751.72 | 757.76 | 751.02 | 739.29 | 750.50 | 755.69 | 763.37 |
| Avg LTV (loan to value) | 59.33% | 59.65% | 65.56% | 68.86% | 67.59% | 72.35% | 69.88% | 73.17% | 70.36% |
| Avg DTI (debt to income) | 29.67 | 33.28 | 31.38 | 31.41 | 32.30 | 33.19 | 30.16 | 30.79 | 30.59 |
| Avg refinance insurance % | 1.92% | 2.27% | 2.85% | 2.16% | 6.63% | 3.34% | 4.65% | 3.11% |
Best Refinance Brokers around Hale, Michigan 48739
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Hale, Michigan 48739, we have compiled a list of top refinance brokers to assist you in the process.
Alan Doner
President/CEO Licensed Loan Originator
100 W Midland St
Bay City, MI 48739
(989) 316-7921
ADoner@newexecmtg.com
Mark Jacques
Licensed Loan Originator
100 W Midland St
Bay City, MI 48739
(989) 879-8472
MJacques@newexecmtg.com
Lisa Bauer
Licensed Loan Originator
100 W Midland St
Bay City, MI 48739
(248) 867-9241
LBauer@newexecmtg.com
Rich Salem
Licensed Loan Originator
100 W Midland St
Bay City, MI 48739
(248) 867-9241
RSalem@newexecmtg.com
Gene Ross
Loan Officer
1901 S Euclid Ave Ste 6
Bay City, MI 48739
(989) 671-2701
gene.ross@academymortgage.com
Address
100 W Midland St
Bay City, MI
Contact
(989) 316-7921
Fax (301) 639-0804
ADoner@newexecmtg.com
Address
100 W Midland St
Bay City, MI
Contact
(989) 879-8472
Fax (301) 639-0804
MJacques@newexecmtg.com
Address
100 W Midland St
Bay City, MI
Contact
(248) 867-9241
Fax (301) 639-0804
LBauer@newexecmtg.com