Compare Today’s Refinance Rates for Ridgewood, New Jersey

Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Ridgewood, New Jersey 07451. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $13,518 or $38 / month in Ridgewood and other areas of Bergen county.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Ridgewood, New Jersey 07451.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Ridgewood, New Jersey 07451

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Ridgewood, NJ

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Ridgewood, NJ 07451, 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 Ridgewood, NJ

Refinance Rates for Ridgewood, New Jersey 07451 from 2013 - 2020

Below are historical data on refinancing in Ridgewood, 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 Ridgewood, New Jersey 07451

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Ridgewood, New Jersey 07451, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Louis Spano

Loan Officer

41 Oak Street

Ridgewood, NJ 07451

(914) 251-2493

lou.spano@pncmortgage.com

Rey Sewnath

Loan Officer

41 Oak Street

Ridgewood, NJ 07451

(914) 251-2493

rawish.sewnath@pncmortgage.com

John Sanfilippo

Loan Officer

41 Oak Street

Ridgewood, NJ 07451

(914) 251-2493

john.sanfilippo@pncmortgage.com

Toby Robinson

Loan Officer

41 Oak Street

Ridgewood, NJ 07451

(914) 251-2493

tobyann.robinson@pncmortgage.com

Layla Perdomo

Loan Officer

41 Oak Street

Ridgewood, NJ 07451

(914) 251-2493

layla.perdomo@pncmortgage.com

Address

41 Oak Street

Ridgewood, NJ

Contact

(914) 251-2493

Fax (301) 639-0804

lou.spano@pncmortgage.com

Address

41 Oak Street

Ridgewood, NJ

Contact

(914) 251-2493

Fax (301) 639-0804

rawish.sewnath@pncmortgage.com

Address

41 Oak Street

Ridgewood, NJ

Contact

(914) 251-2493

Fax (301) 639-0804

john.sanfilippo@pncmortgage.com

Refinancing News for Ridgewood, New Jersey 07451