Compare Today’s Refinance Rates for Elmo, Montana 59915
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Elmo, Montana 59915.
With a 30-year amortization refinance in Elmo and surrounding areas of Lake county, our calculations show that you can expect to save up to $3,643 over the lifetime of your mortgage, or a monthly savings of $10. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Elmo, Montana 59915.
Summary of Average Refinances in Elmo, Montana 59915
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Interactive Refinance Rate Projections for Elmo, Montana 59915
Pureloan has developed an interactive chart to monitor the five largest local lenders in Elmo, MT 59915, 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 Elmo, Montana 59915 from 2024 - 2016
The following historical data provides insights into refinancing trends in Elmo, Montana and the surrounding Lake 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 | 100.00% | 61.64% | 66.99% | 64.16% | 67.31% | 72.73% | 71.43% | 61.11% | 72.86% |
| avg refi rate | 6.07% | 3.76% | 2.96% | 3.27% | 4.19% | 4.58% | 4.13% | 3.83% | 3.98% |
| % 15 year fixed refinance | 27.40% | 16.50% | 18.14% | 25.00% | 25.00% | 20.00% | 26.39% | 18.57% | |
| avg refi rate | 3.19% | 2.51% | 2.81% | 3.59% | 4.01% | 3.21% | 3.24% | 3.20% | |
| Avg credit score | 770.29 | 745.92 | 757.14 | 762.28 | 758.46 | 739.50 | 751.93 | 759.36 | 751.56 |
| Avg LTV (loan to value) | 51.00% | 49.78% | 62.82% | 67.18% | 67.56% | 62.80% | 67.90% | 64.35% | 69.17% |
| Avg DTI (debt to income) | 36.29 | 32.42 | 33.62 | 32.30 | 34.21 | 33.59 | 34.56 | 32.88 | 32.50 |
| Avg refinance insurance % | 1.76% | 3.25% | 3.38% | 1.23% | 2.51% | 2.96% | 1.93% |
Best Refinance Brokers around Elmo, Montana 59915
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Elmo, Montana 59915, we have compiled a list of top refinance brokers to assist you in the process.
Naime BERGE
Loan Officer
1830 3rd Ave E
Kalispell, MT 59915
(406) 756-4090
NAIME.k.BERGE@wellsfargo.com
Jason Mann
Branch Manager / Loan Officer
1222 Whitefish Stage
Kalispell, MT 59915
(406) 751-6266
jason.mann@mannmortgage.com
Steve Paulson
Loan Officer
1222 Whitefish Stage
Kalispell, MT 59915
(406) 751-6274
steve.paulson@mannmortgage.com
Tony Reynolds
Loan Officer
1222 Whitefish Stage
Kalispell, MT 59915
(406) 751-6266
tony.reynolds@mannmortgage.com
Janice Lake
Loan Officer
1222 Whitefish Stage
Kalispell, MT 59915
(406) 751-6270
janice.lake@mannmortgage.com
Address
1830 3rd Ave E
Kalispell, MT
Contact
(406) 756-4090
Fax (301) 639-0804
NAIME.k.BERGE@wellsfargo.com
Address
1222 Whitefish Stage
Kalispell, MT
Contact
(406) 751-6266
Fax (301) 639-0804
jason.mann@mannmortgage.com
Address
1222 Whitefish Stage
Kalispell, MT
Contact
(406) 751-6274
Fax (301) 639-0804
steve.paulson@mannmortgage.com