Compare Today’s Refinance Rates for Gardner, North Dakota 58036
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Gardner, North Dakota 58036.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,427 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Gardner and other areas of Cass 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 Gardner, North Dakota 58036
Become a certified mortgage expert on Pureloan.com
in Gardner, North Dakota 58036
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Gardner, North Dakota 58036
Pureloan has developed an interactive chart to monitor the five largest local lenders in Gardner, ND 58036, 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 Gardner, North Dakota 58036 from 2024 - 2016
The following historical data provides insights into refinancing trends in Gardner, North Dakota and the surrounding Cass 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% | 66.67% | 50.00% | 50.67% | 60.87% | 61.82% | 45.21% | 55.08% | 49.28% |
| avg refi rate | 6.29% | 3.58% | 2.81% | 3.10% | 4.11% | 4.18% | 3.91% | 3.76% | 3.88% |
| % 15 year fixed refinance | 16.16% | 30.00% | 33.33% | 26.09% | 30.91% | 39.73% | 33.90% | 37.68% | |
| avg refi rate | 2.67% | 2.29% | 2.66% | 3.11% | 3.84% | 3.02% | 2.93% | 3.18% | |
| Avg credit score | 747.67 | 850.46 | 762.27 | 765.76 | 758.40 | 753.64 | 753.45 | 749.55 | 754.90 |
| Avg LTV (loan to value) | 79.00% | 70.11% | 69.83% | 72.02% | 69.64% | 70.65% | 68.22% | 70.58% | 73.23% |
| Avg DTI (debt to income) | 30.67 | 34.62 | 31.13 | 31.28 | 32.65 | 33.65 | 31.36 | 31.29 | 31.75 |
| Avg refinance insurance % | 2.00% | 2.93% | 3.64% | 5.11% | 4.10% | 3.40% | 2.37% | 2.14% | 4.07% |
Best Refinance Brokers around Gardner, North Dakota 58036
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Gardner, North Dakota 58036, we have compiled a list of top refinance brokers to assist you in the process.
Shannon Campbell
Loan Officer
1350 13th Ave E
West Fargo, ND 58036
(701) 281-2700
scampbell@firstintlbank.com
Kathy Weiss
Mortgage Officer
925 14th Avenue East
West Fargo, ND 58036
(701) 356-1803
kathy.weiss@townandcountry.org
Eric Hull
Personal Banking Officer
1350 13th Ave E
West Fargo, ND 58036
(701) 281-2700
ehull@firstintlbank.com
Greg Mastrud
West Fargo President
1350 13th Ave E
West Fargo, ND 58036
(701) 281-2700
gmastrud@firstintlbank.com
Troy Ott
Commercial Loan Officer
1350 13th Ave E
West Fargo, ND 58036
(701) 281-2700
tott@firstintlbank.com
Address
1350 13th Ave E
West Fargo, ND
Contact
(701) 281-2700
Fax (301) 639-0804
scampbell@firstintlbank.com
Address
925 14th Avenue East
West Fargo, ND
Contact
(701) 356-1803
Fax (301) 639-0804
kathy.weiss@townandcountry.org
Address
1350 13th Ave E
West Fargo, ND
Contact
(701) 281-2700
Fax (301) 639-0804
ehull@firstintlbank.com