Compare Today’s Refinance Rates for Ringwood, New Jersey 07456
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ringwood, New Jersey 07456.
With a 30-year amortization refinance in Ringwood and surrounding areas of Passaic county, our calculations show that you can expect to save up to $13,973 over the lifetime of your mortgage, or a monthly savings of $39. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Ringwood, New Jersey 07456.
Summary of Average Refinances in Ringwood, New Jersey 07456
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Interactive Refinance Rate Projections for Ringwood, New Jersey 07456
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ringwood, NJ 07456, 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 Ringwood, New Jersey 07456 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ringwood, New Jersey and the surrounding Passaic 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 | 89.66% | 68.87% | 55.69% | 48.91% | 75.33% | 67.57% | 63.83% | 63.11% | 71.62% |
avg refi rate | 6.64% | 4.13% | 2.98% | 3.30% | 4.49% | 4.61% | 4.20% | 3.99% | 4.10% |
% 15 year fixed refinance | 10.34% | 21.85% | 29.86% | 33.62% | 15.33% | 16.22% | 24.47% | 30.33% | 20.27% |
avg refi rate | 5.79% | 2.99% | 2.36% | 2.70% | 3.79% | 3.84% | 3.53% | 3.16% | 3.46% |
Avg credit score | 725.03 | 740.58 | 743.69 | 750.25 | 748.17 | 743.23 | 746.50 | 743.80 | 733.20 |
Avg LTV (loan to value) | 65.28% | 66.48% | 72.15% | 73.51% | 73.67% | 74.85% | 76.63% | 74.13% | 75.07% |
Avg DTI (debt to income) | 33.21 | 33.32 | 31.88 | 32.21 | 33.28 | 33.23 | 30.97 | 31.43 | 31.15 |
Avg refinance insurance % | 4.72% | 3.07% | 4.64% | 6.02% | 8.87% | 8.74% | 8.22% | 6.52% | 6.31% |
Best Refinance Brokers around Ringwood, New Jersey 07456
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ringwood, New Jersey 07456, we have compiled a list of top refinance brokers to assist you in the process.
Danielle Mattaei
Processor
886 Belmont Ave Ste D
North Haledon, NJ 07456
(973) 423-4343 Ext 10
dmattaei@belmontservices.com
Chris Naum
Loan Officer
886 Belmont Ave Ste D
North Haledon, NJ 07456
(973) 423-4343
chris_naum@yahoo.com
Dena Poalillo
Vice President
886 Belmont Ave Ste D
North Haledon, NJ 07456
(973) 423-4343 Ext 13
dena@belmontservices.com
Leiha Riga
Processor
886 Belmont Ave Ste D
North Haledon, NJ 07456
(973) 423-4343 Ext 10
lriga@belmontservices.com
Lou D'Angelo
Mortgage Consultant
409 Minnisink Rd
Totowa, NJ 07456
(973) 435-2800
ldangelo@lcdmtg.com
Address
886 Belmont Ave Ste D
North Haledon, NJ
Contact
(973) 423-4343 Ext 10
Fax (301) 639-0804
dmattaei@belmontservices.com
Address
886 Belmont Ave Ste D
North Haledon, NJ
Contact
(973) 423-4343
Fax (301) 639-0804
chris_naum@yahoo.com
Address
886 Belmont Ave Ste D
North Haledon, NJ
Contact
(973) 423-4343 Ext 13
Fax (301) 639-0804
dena@belmontservices.com