Compare Today’s Refinance Rates for Ramsey, New Jersey

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Ramsey, New Jersey 07446. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Ramsey and other areas of Bergen county, expected lifetime cash savings are $10,171 or $28 / month.

For Ramsey, New Jersey 07446, 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 Ramsey, New Jersey 07446

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Ramsey, NJ

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Ramsey, NJ 07446, 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 Ramsey, NJ

Refinance Rates for Ramsey, New Jersey 07446 from 2013 - 2020

Below are historical data on refinancing in Ramsey, 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 Ramsey, New Jersey 07446

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Ramsey, New Jersey 07446, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

ROBERT CARAVELLA

Loan Officer

875 State Rt 17

Ramsey, NJ 07446

(201) 934-4500

robert.caravella@wellsfargo.com

WILLIAM OCHOA

Loan Officer

875 State Rt 17

Ramsey, NJ 07446

(201) 934-4500

william.ochoa@wellsfargo.com

SCOTT ANDERSON

Loan Officer

875 State Rt 17

Ramsey, NJ 07446

(201) 934-4500

scott.t.anderson@wellsfargo.com

MICHAEL CAREW

Loan Officer

875 State Rt 17

Ramsey, NJ 07446

(201) 934-4500

michael.carew@wellsfargo.com

Bijal Shah

Mortgage Loan Officer

41 Oak St

Ridgewood, NJ 07446

(800) 822-5626

bijal.shah@pncmortgage.com

Address

875 State Rt 17

Ramsey, NJ

Contact

(201) 934-4500

Fax (301) 639-0804

robert.caravella@wellsfargo.com

Address

875 State Rt 17

Ramsey, NJ

Contact

(201) 934-4500

Fax (301) 639-0804

william.ochoa@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 Ramsey, New Jersey 07446