Compare Today’s Refinance Rates for Jersey City, New Jersey 07308
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Jersey City, New Jersey 07308.
With a 30-year amortization refinance in Jersey City and surrounding areas of Hudson county, our calculations show that you can expect to save up to $11,784 over the lifetime of your mortgage, or a monthly savings of $33. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Jersey City, New Jersey 07308.
Summary of Average Refinances in Jersey City, New Jersey 07308
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Interactive Refinance Rate Projections for Jersey City, New Jersey 07308
Pureloan has developed an interactive chart to monitor the five largest local lenders in Jersey City, NJ 07308, 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 Jersey City, New Jersey 07308 from 2024 - 2016
The following historical data provides insights into refinancing trends in Jersey City, New Jersey and the surrounding Hudson 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 | 92.59% | 61.21% | 55.87% | 56.47% | 68.91% | 69.23% | 61.38% | 58.38% | 58.30% |
avg refi rate | 6.43% | 3.87% | 2.97% | 3.23% | 4.25% | 4.58% | 4.11% | 3.93% | 4.10% |
% 15 year fixed refinance | 1.23% | 24.56% | 28.74% | 28.45% | 20.67% | 19.51% | 27.34% | 29.39% | 30.44% |
avg refi rate | 5.38% | 2.78% | 2.45% | 2.74% | 3.60% | 3.83% | 3.44% | 3.14% | 3.36% |
Avg credit score | 756.46 | 744.48 | 755.67 | 762.07 | 751.94 | 769.43 | 749.65 | 748.59 | 747.39 |
Avg LTV (loan to value) | 67.56% | 66.36% | 71.64% | 74.53% | 74.26% | 71.81% | 72.76% | 73.14% | 74.01% |
Avg DTI (debt to income) | 36.33 | 33.20 | 31.16 | 30.97 | 32.28 | 34.11 | 32.94 | 32.01 | 31.52 |
Avg refinance insurance % | 5.37% | 2.17% | 4.41% | 6.14% | 7.49% | 4.04% | 5.48% | 5.49% | 6.02% |
Best Refinance Brokers around Jersey City, New Jersey 07308
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Jersey City, New Jersey 07308, we have compiled a list of top refinance brokers to assist you in the process.
Patrick Japaz
Mortgage Banker
56 Christopher Columbus Drive
Jersey City, NJ 07308
(20) 332-1904
patrick.m.japaz@chase.com
John Gugliotti
Mortgage Loan Specialist
125 Town Square Place
Jersey City, NJ 07308
(614) 987-0129
John.Gugliotti@bankofamerica.com
Fabio Fattah
Mortgage Banker
575 Washington Blvd
Jersey City, NJ 07308
(120) 159-5778
fabio.y.fattah@chase.com
Michael Darcy
Mortgage Loan Officer
880 Bergen Ave Ste 206
Jersey City, NJ 07308
(201) 360-0634
mdarcy@lightningmort.com
Jamie Fernandez
Mortgage Loan Officer
880 Bergen Ave Ste 206
Jersey City, NJ 07308
(201) 360-0634
jfernandez@lightningmort.com
Address
56 Christopher Columbus Drive
Jersey City, NJ
Contact
(20) 332-1904
Fax (301) 639-0804
patrick.m.japaz@chase.com
Address
125 Town Square Place
Jersey City, NJ
Contact
(614) 987-0129
Fax (301) 639-0804
John.Gugliotti@bankofamerica.com
Address
575 Washington Blvd
Jersey City, NJ
Contact
(120) 159-5778
Fax (301) 639-0804
fabio.y.fattah@chase.com