Compare Today’s Refinance Rates for Garwood, New Jersey 07027
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Garwood, New Jersey 07027.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Garwood, New Jersey 07027. For 30-year amortization refinancing, you can expect lifetime cash savings of $19,501 or $54 per month in Garwood and other parts of Union county.
Summary of Average Refinances in Garwood, New Jersey 07027
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Interactive Refinance Rate Projections for Garwood, New Jersey 07027
Pureloan has developed an interactive chart to monitor the five largest local lenders in Garwood, NJ 07027, 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 Garwood, New Jersey 07027 from 2024 - 2016
The following historical data provides insights into refinancing trends in Garwood, New Jersey and the surrounding Union 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 | 68.18% | 56.87% | 54.11% | 55.32% | 63.76% | 60.20% | 48.24% | 49.49% | 58.75% |
avg refi rate | 6.39% | 3.80% | 2.99% | 3.24% | 4.36% | 4.67% | 4.24% | 3.96% | 4.17% |
% 15 year fixed refinance | 9.09% | 24.03% | 28.50% | 26.94% | 21.14% | 30.85% | 39.22% | 36.55% | 31.88% |
avg refi rate | 5.50% | 2.77% | 2.47% | 2.76% | 3.71% | 3.96% | 3.45% | 3.22% | 3.40% |
Avg credit score | 750.73 | 737.88 | 755.45 | 754.98 | 739.61 | 736.52 | 740.86 | 744.83 | 750.38 |
Avg LTV (loan to value) | 64.18% | 62.77% | 66.19% | 69.57% | 71.13% | 70.63% | 68.65% | 71.24% | 70.97% |
Avg DTI (debt to income) | 34.64 | 34.04 | 32.17 | 32.01 | 33.69 | 34.12 | 35.13 | 33.92 | 33.78 |
Avg refinance insurance % | 4.18% | 1.25% | 2.33% | 3.67% | 5.46% | 4.78% | 4.07% | 4.40% | 4.43% |
Best Refinance Brokers around Garwood, New Jersey 07027
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Garwood, New Jersey 07027, we have compiled a list of top refinance brokers to assist you in the process.
Carlos
Mortgage Loan Officer
211 Ridge Rd
North Arlington, NJ 07027
(201) 955-0045
carlos@crosstatemortgage.com
Rob
Mortgage Consultant
125 Bathurst Ave
North Arlington, NJ 07027
(201) 998-9050
rob@keypointmortgage.com
Joseph Condurso
Mortgage Banker
125 River St
Hoboken, NJ 07027
(185) 542-1059
joseph.m.condurso@chase.com
RICHARD MASSEY
Loan Officer
321 Washington St
Hoboken, NJ 07027
(201) 714-5640
Richard.Massey@WellsFargo.com
EVELYN ORTIZ
Loan Officer
321 Washington St
Hoboken, NJ 07027
(201) 714-5640
Evelyn.J.Ortiz@wellsfargo.com
Address
211 Ridge Rd
North Arlington, NJ
Contact
(201) 955-0045
Fax (301) 639-0804
carlos@crosstatemortgage.com
Address
125 Bathurst Ave
North Arlington, NJ
Contact
(201) 998-9050
Fax (301) 639-0804
rob@keypointmortgage.com
Address
125 River St
Hoboken, NJ
Contact
(185) 542-1059
Fax (301) 639-0804
joseph.m.condurso@chase.com