Compare Today’s Refinance Rates for Sparks, Nevada 89432
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Sparks, Nevada 89432.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,539 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Sparks and other areas of Washoe county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Sparks, Nevada 89432
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Interactive Refinance Rate Projections for Sparks, Nevada 89432
Pureloan has developed an interactive chart to monitor the five largest local lenders in Sparks, NV 89432, 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 Sparks, Nevada 89432 from 2024 - 2016
The following historical data provides insights into refinancing trends in Sparks, Nevada and the surrounding Washoe 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 | 80.95% | 67.86% | 72.39% | 72.89% | 74.93% | 62.43% | 58.56% | 61.01% | 58.92% |
avg refi rate | 6.29% | 3.45% | 2.97% | 3.25% | 4.15% | 4.61% | 4.15% | 3.96% | 4.14% |
% 15 year fixed refinance | 4.76% | 17.18% | 16.64% | 16.50% | 15.62% | 25.79% | 32.04% | 28.61% | 29.11% |
avg refi rate | 3.75% | 2.69% | 2.45% | 2.80% | 3.53% | 3.90% | 3.40% | 3.19% | 3.41% |
Avg credit score | 745.24 | 749.62 | 754.10 | 758.49 | 745.90 | 741.14 | 747.33 | 753.10 | 755.74 |
Avg LTV (loan to value) | 64.81% | 56.85% | 65.01% | 68.36% | 70.38% | 68.05% | 69.23% | 69.84% | 68.95% |
Avg DTI (debt to income) | 39.76 | 35.27 | 33.46 | 33.50 | 34.60 | 34.45 | 34.08 | 33.51 | 32.20 |
Avg refinance insurance % | 1.48% | 0.58% | 2.14% | 3.17% | 3.93% | 2.52% | 3.51% | 3.49% | 3.14% |
Best Refinance Brokers around Sparks, Nevada 89432
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Sparks, Nevada 89432, we have compiled a list of top refinance brokers to assist you in the process.
Cindy Sunday
Loan Officer
5235 Vista Blvd
Sparks, NV 89432
(775) 626-9600
csunday@eldoradosavings.com
Renee Bailey
Loan Officer
5235 Vista Blvd
Sparks, NV 89432
(775) 626-9600
rbailey@eldoradosavings.com
Jennifer Fiore
Loan Officer
3150 Vista Blvd., Suite 102
Sparks, NV 89432
(775) 376-9294
jfiore@guildmortgage.com
Rachelle Shaw
loan officer
3150 Vista Blvd.suite 102
Sparks, NV 89432
(775) 200-0155
rshaw@guildmortgage.net
Jennifer Fiore
loan officer
5390 Kietzke Lane suite 100
Sparks, NV 89432
(775) 338-5059
jfiore@guildmortgage.net
Address
5235 Vista Blvd
Sparks, NV
Contact
(775) 626-9600
Fax (301) 639-0804
csunday@eldoradosavings.com
Address
5235 Vista Blvd
Sparks, NV
Contact
(775) 626-9600
Fax (301) 639-0804
rbailey@eldoradosavings.com
Address
3150 Vista Blvd., Suite 102
Sparks, NV
Contact
(775) 376-9294
Fax (301) 639-0804
jfiore@guildmortgage.com