Compare Today’s Refinance Rates for Richmond, Missouri 64085
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Richmond, Missouri 64085.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,014 over the lifetime of your mortgage, which translates to a monthly savings of $11 in Richmond and other areas of Ray 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 Richmond, Missouri 64085
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Interactive Refinance Rate Projections for Richmond, Missouri 64085
Pureloan has developed an interactive chart to monitor the five largest local lenders in Richmond, MO 64085, 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 Richmond, Missouri 64085 from 2024 - 2016
The following historical data provides insights into refinancing trends in Richmond, Missouri and the surrounding Ray 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 | 91.67% | 55.66% | 57.83% | 60.08% | 62.59% | 61.65% | 48.62% | 48.26% | 48.26% |
avg refi rate | 6.50% | 3.63% | 2.98% | 3.29% | 4.14% | 4.55% | 4.16% | 3.96% | 4.12% |
% 15 year fixed refinance | 2.78% | 26.09% | 25.55% | 23.22% | 23.09% | 28.16% | 36.81% | 35.68% | 35.47% |
avg refi rate | 5.38% | 2.82% | 2.46% | 2.82% | 3.57% | 3.96% | 3.40% | 3.15% | 3.30% |
Avg credit score | 748.31 | 756.14 | 755.86 | 758.56 | 751.80 | 745.82 | 749.04 | 757.48 | 757.27 |
Avg LTV (loan to value) | 65.56% | 61.77% | 66.62% | 70.74% | 73.08% | 71.49% | 72.92% | 73.87% | 75.34% |
Avg DTI (debt to income) | 37.92 | 33.03 | 31.40 | 31.12 | 32.14 | 33.97 | 31.69 | 31.16 | 29.99 |
Avg refinance insurance % | 2.83% | 1.02% | 2.00% | 3.44% | 5.42% | 3.83% | 4.24% | 5.64% | 6.59% |
Best Refinance Brokers around Richmond, Missouri 64085
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Richmond, Missouri 64085, we have compiled a list of top refinance brokers to assist you in the process.
Micheal Joyner
loan officer
101 North Maguire St STE B
Warrensburg, MO 64085
(913) 663-6226
mjoyner@pulaskibank.com
Willie Crespo
Loan Officer
101 N Maguire Street STE B
Warrensburg, MO 64085
(888) 649-3320
wcrespo@pulaskibank.com
Scott Nelson
Loan Officer
101 N Maguire Street STE B
Warrensburg, MO 64085
(888) 649-3320
snelson@pulaskibank.com
Russ Trollinger
Mortgage Banker
8740 N. Ambassador Drive
Kansas City, MO 64085
(816) 673-1041
russ.trollinger@banklibertykc.com
Brian Kilkenny
Mortgage Loan Originator
7509 NW Tiffany Springs Pkwy., Ste. 100
Kansas City, MO 64085
(816) 595-0671
brian@communitymortgagekc.com
Address
101 North Maguire St STE B
Warrensburg, MO
Contact
(913) 663-6226
Fax (301) 639-0804
mjoyner@pulaskibank.com
Address
101 N Maguire Street STE B
Warrensburg, MO
Contact
(888) 649-3320
Fax (301) 639-0804
wcrespo@pulaskibank.com
Address
101 N Maguire Street STE B
Warrensburg, MO
Contact
(888) 649-3320
Fax (301) 639-0804
snelson@pulaskibank.com