Compare Today’s Refinance Rates for Albany, New York

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Albany, New York 12288. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Albany and surrounding areas of Albany county, expected lifetime cash savings are $18,221 or $51 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Albany, New York 12288.

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Summary of Average Refinance Terms in Albany, New York 12288

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Albany, New York 12288 from 2012 - 2019

Below are historical data on refinancing in Albany, New York and around Albany county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2012 2013 2014 2015 2016 2017 2018 2019
% 30 year fixed refinance 48.28% 34.02% 38.13% 41.11% 43.53% 44.64% 39.45% 42.52%
avg refi rate 4.82% 4.50% 3.88% 3.58% 4.52% 4.00% 3.78% 3.77%
% 15 year fixed refinance 34.18% 43.59% 46.01% 42.16% 40.00% 38.69% 47.02% 40.16%
avg refi rate 4.18% 3.78% 3.18% 2.83% 3.50% 3.10% 2.89% 2.92%
Avg credit score 768.29 768.98 769.88 766.67 751.32 761.20 760.15 758.21
Avg LTV (loan to value) 64.77% 63.53% 65.52% 68.20% 69.32% 71.09% 71.75% 72.26%
Avg DTI (debt to income) 31.52 30.64 29.95 30.47 33.38 32.14 32.19 32.80
Avg refinance insurance % 2.28% 2.55% 2.84% 3.68% 4.14% 4.57% 4.11% 3.47%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Albany, New York 12288

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Albany, New York 12288, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Lanfang Tian

Loan Originator

8 Airline Drive, Suite 200

Albany, NY 12288

(518) 464-1100 Ext. 774

ltian@homesteadfunding.com

Siciliano J

Loan Originator

8 Airline Drive

Albany, NY 12288

(800) 724-1329

sj@homesteadfunding.com

Thomas Tokos

Mortgage Loan Officer

69 State Street, 4th Floor

Albany, NY 12288

(704) 386-5972

thomas.tokos@bankofamerica.com

Robert LaPointe

loan officer

427 New Karner Rd.

Albany, NY 12288

(518) 452-4700 Ext. 2573

rlapointe@firstratefunding.net

Christopher Tubiolo

Licensed Loan Originator

8 Airline Drive

Albany, NY 12288

(518) 464-1100 Ext.734

ctubiolo@homesteadfunding.com

Address

8 Airline Drive, Suite 200

Albany, NY

Contact

(518) 464-1100 Ext. 774

Fax (301) 639-0804

ltian@homesteadfunding.com

Address

8 Airline Drive

Albany, NY

Contact

(800) 724-1329

Fax (301) 639-0804

sj@homesteadfunding.com

Address

69 State Street, 4th Floor

Albany, NY

Contact

(704) 386-5972

Fax (301) 639-0804

thomas.tokos@bankofamerica.com

Refinancing News for Albany, New York 12288