Compare Today’s Refinance Rates for Oakland, New Jersey

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Oakland, New Jersey 07436. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Oakland and other areas of Bergen county, expected lifetime cash savings are $8,173 or $23 / month.

For Oakland, New Jersey 07436, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Oakland, New Jersey 07436

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Oakland, NJ

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Oakland, NJ 07436, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Local Refinance Rates for Oakland, NJ

Refinance Rates for Oakland, New Jersey 07436 from 2013 - 2020

Below are historical data on refinancing in Oakland, New Jersey and around Bergen county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed refinance 53.20% 44.16% 49.47% 51.91% 56.35% 55.76% 59.02% 50.25%
avg refi rate 4.86% 4.53% 3.91% 3.72% 4.48% 4.09% 3.88% 3.99%
% 15 year fixed refinance 32.75% 37.13% 34.02% 37.44% 33.63% 29.69% 27.19% 33.58%
avg refi rate 4.30% 3.81% 3.25% 3.00% 3.56% 3.25% 3.10% 3.20%
Avg credit score 763.83 764.16 766.69 760.77 754.73 755.24 754.91 752.60
Avg LTV (loan to value) 63.61% 64.21% 65.30% 66.02% 71.72% 70.55% 70.91% 68.89%
Avg DTI (debt to income) 30.85 31.32 31.22 30.81 32.97 32.98 33.52 34.31
Avg refinance insurance % 1.34% 1.93% 2.38% 3.07% 5.88% 4.83% 4.81% 3.99%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Oakland, New Jersey 07436

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Oakland, New Jersey 07436, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

William Tibbe

Mortgage Loan Officer

15 Yawpo

Oakland, NJ 07436

(704) 386-5972

william.tibbe@bankofamerica.com

MICHAEL CAREW

Loan Officer

875 State Rt 17

Ramsey, NJ 07436

(201) 934-4500

michael.carew@wellsfargo.com

SCOTT ANDERSON

Loan Officer

875 State Rt 17

Ramsey, NJ 07436

(201) 934-4500

scott.t.anderson@wellsfargo.com

WILLIAM OCHOA

Loan Officer

875 State Rt 17

Ramsey, NJ 07436

(201) 934-4500

william.ochoa@wellsfargo.com

ROBERT CARAVELLA

Loan Officer

875 State Rt 17

Ramsey, NJ 07436

(201) 934-4500

robert.caravella@wellsfargo.com

Address

15 Yawpo

Oakland, NJ

Contact

(704) 386-5972

Fax (301) 639-0804

william.tibbe@bankofamerica.com

Address

875 State Rt 17

Ramsey, NJ

Contact

(201) 934-4500

Fax (301) 639-0804

michael.carew@wellsfargo.com

Address

875 State Rt 17

Ramsey, NJ

Contact

(201) 934-4500

Fax (301) 639-0804

scott.t.anderson@wellsfargo.com

Refinancing News for Oakland, New Jersey 07436