Compare Today’s Refinance Rates for Quincy, Michigan 49082
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Quincy, Michigan 49082.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $3,946 over the lifetime of your mortgage, which translates to a monthly savings of $11 in Quincy and other areas of Branch 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 Quincy, Michigan 49082
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Interactive Refinance Rate Projections for Quincy, Michigan 49082
Pureloan has developed an interactive chart to monitor the five largest local lenders in Quincy, MI 49082, 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 Quincy, Michigan 49082 from 2024 - 2016
The following historical data provides insights into refinancing trends in Quincy, Michigan and the surrounding Branch 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 | 79.17% | 50.17% | 51.23% | 48.15% | 55.35% | 57.58% | 50.63% | 47.31% | 47.17% |
avg refi rate | 6.36% | 3.76% | 3.03% | 3.30% | 4.24% | 4.56% | 4.16% | 3.93% | 4.04% |
% 15 year fixed refinance | 8.33% | 31.14% | 29.67% | 32.75% | 28.46% | 29.60% | 36.22% | 40.65% | 37.48% |
avg refi rate | 6.19% | 2.85% | 2.46% | 2.76% | 3.58% | 3.91% | 3.36% | 3.13% | 3.27% |
Avg credit score | 759.46 | 752.15 | 751.19 | 758.40 | 749.29 | 742.24 | 744.05 | 752.44 | 755.00 |
Avg LTV (loan to value) | 64.54% | 60.40% | 65.25% | 69.16% | 70.63% | 69.18% | 70.75% | 69.76% | 70.89% |
Avg DTI (debt to income) | 34.83 | 31.92 | 30.91 | 30.30 | 31.58 | 32.68 | 31.70 | 31.22 | 30.45 |
Avg refinance insurance % | 4.63% | 1.86% | 2.13% | 3.38% | 4.10% | 3.92% | 3.95% | 3.82% | 4.13% |
Best Refinance Brokers around Quincy, Michigan 49082
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Quincy, Michigan 49082, we have compiled a list of top refinance brokers to assist you in the process.
Robert Torre
Loan Officer
2874 Niles Road
St. Joseph, MI 49082
(269) 983-3633
rdelatorre@prospectmtg.com
Carter Nimtz
Loan Officer
2608 Niles Road
Joseph, MI 49082
(269) 556-9456
cnimtz@horizonbank.com
Pati Small
Loan Officer
Pati Small 811 Ship Street
St. Joseph, MI 49082
(269) 982-5858
psmall@horizonbank.com
Robyn Graffenius
Loan Officer
811 Ship Street
St. Joseph, MI 49082
(269) 982-3298
rgraffenius@horizonbank.com
Carol Stubenrauch
Mortgage Loan Specialist
1282 West M-89
Plainwell, MI 49082
(269) 685-8426
greg.owen@53.com
Address
2874 Niles Road
St. Joseph, MI
Contact
(269) 983-3633
Fax (301) 639-0804
rdelatorre@prospectmtg.com
Address
2608 Niles Road
Joseph, MI
Contact
(269) 556-9456
Fax (301) 639-0804
cnimtz@horizonbank.com
Address
Pati Small 811 Ship Street
St. Joseph, MI
Contact
(269) 982-5858
Fax (301) 639-0804
psmall@horizonbank.com