Compare Today’s Refinance Rates for Howard City, Michigan 49329
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Howard City, Michigan 49329.
With a 30-year amortization refinance in Howard City and surrounding areas of Montcalm county, our calculations show that you can expect to save up to $9,914 over the lifetime of your mortgage, or a monthly savings of $28. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Howard City, Michigan 49329.
Summary of Average Refinances in Howard City, Michigan 49329
Become a certified mortgage expert on Pureloan.com
in Howard City, Michigan 49329
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Howard City, Michigan 49329
Pureloan has developed an interactive chart to monitor the five largest local lenders in Howard City, MI 49329, 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 Howard City, Michigan 49329 from 2024 - 2016
The following historical data provides insights into refinancing trends in Howard 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 | 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 Howard City, Michigan 49329
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Howard City, Michigan 49329, we have compiled a list of top refinance brokers to assist you in the process.
Gary Hall
Mortgage Sales Manager
450 W Muskegon St
Kent City, MI 49329
(616) 678-5911
ghall@choiceone.com
Jeffrey Brazier
Mortgage Loan Originator
4170 17 Mile Rd NE
Cedar Springs, MI 49329
(616) 887-7366
jbrazier@choiceone.com
David Crump
Loan Officer
5050 Alpine Ave NW
Comstock Park, MI 49329
(616) 887-2342
dcrump@choiceone.com
Nick Lewis
Loan Officer
109 E Division St
Sparta, MI 49329
(616) 887-3229
nlewis@choiceone.com
Carmen Cox
Mortgage Lending Officer
109 E. Division
Sparta,, MI 49329
(616) 887-2333
cvillahermosa@choiceone.com
Address
450 W Muskegon St
Kent City, MI
Contact
(616) 678-5911
Fax (301) 639-0804
ghall@choiceone.com
Address
4170 17 Mile Rd NE
Cedar Springs, MI
Contact
(616) 887-7366
Fax (301) 639-0804
jbrazier@choiceone.com
Address
5050 Alpine Ave NW
Comstock Park, MI
Contact
(616) 887-2342
Fax (301) 639-0804
dcrump@choiceone.com