Compare Today’s Refinance Rates for Shepherd, Montana 59079
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Shepherd, Montana 59079.
With a 30-year amortization refinance in Shepherd and surrounding areas of Yellowstone county, our calculations show that you can expect to save up to $5,848 over the lifetime of your mortgage, or a monthly savings of $16. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Shepherd, Montana 59079.
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Summary of Average Refinances in Shepherd, Montana 59079
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Shepherd, Montana 59079
Pureloan has developed an interactive chart to monitor the five largest local lenders in Shepherd, MT 59079, 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 Shepherd, Montana 59079 from 2024 - 2016
The following historical data provides insights into refinancing trends in Shepherd, Montana and the surrounding Yellowstone 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 Shepherd, Montana 59079
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Shepherd, Montana 59079, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Jami Shaw
Senior Loan Officer
2450 Main St
Worden, MT 59079
(406) 967-3612
JShaw@stockmanbank.com
Helen Toogood
Consumer Loan Officer
2450 Main St
Worden, MT 59079
(406) 967-3612
HToogood@stockmanbank.com
Mitch Grove
Ag Loan Officer
2450 Main Street
Worden, MT 59079
(140) 696-7361
mgrove@stockmanbank.com
Ashley DIETZ
Loan Officer
175 N 27th St
Billings, MT 59079
(406) 657-3503
ASHLEY.DIETZ@wellsfargo.com
Doug Lovely
Loan Officer / Branch Manager
219 N 30th St
Billings, MT 59079
(406) 294-6268
doug.lovely@mannmortgage.com
Address
2450 Main St
Worden, MT
Contact
(406) 967-3612
Fax (301) 639-0804
JShaw@stockmanbank.com
Address
2450 Main St
Worden, MT
Contact
(406) 967-3612
Fax (301) 639-0804
HToogood@stockmanbank.com
Address
2450 Main Street
Worden, MT
Contact
(140) 696-7361
Fax (301) 639-0804
mgrove@stockmanbank.com