Compare Today’s Refinance Rates for Toms River, New Jersey 08756
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Toms River, New Jersey 08756.
With a 30-year amortization refinance in Toms River and surrounding areas of Ocean county, our calculations show that you can expect to save up to $5,585 over the lifetime of your mortgage, or a monthly savings of $16. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Toms River, New Jersey 08756.
Summary of Average Refinances in Toms River, New Jersey 08756
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Interactive Refinance Rate Projections for Toms River, New Jersey 08756
Pureloan has developed an interactive chart to monitor the five largest local lenders in Toms River, NJ 08756, 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 Toms River, New Jersey 08756 from 2024 - 2016
The following historical data provides insights into refinancing trends in Toms River, New Jersey and the surrounding Ocean 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 | 77.78% | 57.14% | 64.75% | 64.95% | 65.52% | 70.09% | 64.36% | 63.68% | 61.84% |
avg refi rate | 6.61% | 3.57% | 2.96% | 3.24% | 4.11% | 4.50% | 4.00% | 3.88% | 4.14% |
% 15 year fixed refinance | 22.22% | 22.38% | 23.04% | 21.93% | 23.15% | 19.63% | 29.21% | 27.35% | 28.95% |
avg refi rate | 6.06% | 2.69% | 2.46% | 2.87% | 3.57% | 3.85% | 3.38% | 3.22% | 3.37% |
Avg credit score | 728.33 | 796.88 | 764.20 | 769.25 | 759.41 | 741.97 | 761.61 | 757.76 | 758.34 |
Avg LTV (loan to value) | 53.22% | 53.31% | 57.27% | 62.14% | 62.21% | 60.48% | 63.86% | 66.40% | 65.28% |
Avg DTI (debt to income) | 32.00 | 33.36 | 31.79 | 31.43 | 32.72 | 34.43 | 33.22 | 33.74 | 33.03 |
Avg refinance insurance % | 3.33% | 1.24% | 1.04% | 1.56% | 1.74% | 1.55% | 2.11% | 4.19% | 3.48% |
Best Refinance Brokers around Toms River, New Jersey 08756
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Toms River, New Jersey 08756, we have compiled a list of top refinance brokers to assist you in the process.
Christopher Tozzi
Loan Originator
55 Main St
Toms River, NJ 08756
(800) 955-8965
ctozzi@oceansidemortgage.net
Michael Thompson
Loan Originator
55 Main St
Toms River, NJ 08756
(800) 955-8965
mthompson@oceansidemortgage.net
Lee Samaha
Loan Originator
55 Main St
Toms River, NJ 08756
(800) 955-8965
lsamaha@oceansidemortgage.net
David Rockhill
Loan Originator
55 Main St
Toms River, NJ 08756
(800) 955-8965
drockhill@oceansidemortgage.net
Stephen Olszewski
Sales Manager
55 Main St
Toms River, NJ 08756
(800) 955-8965
solszewski@oceansidemortgage.net
Address
55 Main St
Toms River, NJ
Contact
(800) 955-8965
Fax (301) 639-0804
ctozzi@oceansidemortgage.net
Address
55 Main St
Toms River, NJ
Contact
(800) 955-8965
Fax (301) 639-0804
mthompson@oceansidemortgage.net
Address
55 Main St
Toms River, NJ
Contact
(800) 955-8965
Fax (301) 639-0804
lsamaha@oceansidemortgage.net