Compare Today’s Refinance Rates for Binghamton, New York

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Binghamton, New York 13905. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Binghamton and surrounding areas of Broome county, expected lifetime cash savings are $9,159 or $25 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Binghamton, New York 13905.

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Summary of Average Refinance Terms in Binghamton, New York 13905

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Binghamton, New York 13905 from 2012 - 2019

Below are historical data on refinancing in Binghamton, New York and around Broome 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 40.99% 34.39% 35.15% 36.35% 42.39% 44.44% 34.71% 30.91%
avg refi rate 4.81% 4.57% 3.93% 3.69% 4.61% 4.12% 3.85% 4.10%
% 15 year fixed refinance 35.20% 40.00% 37.59% 39.96% 43.48% 38.89% 45.88% 47.27%
avg refi rate 4.29% 3.76% 3.29% 2.95% 3.62% 3.23% 3.13% 3.19%
% 10 year fixed refinance 2.07% 3.41% 2.07% 3.98% 4.35% 1.23% 1.76% 3.64%
avg refi rate 4.26% 3.71% 3.20% 2.88% 3.44% 4.13% 3.29% 4.19%
Avg credit score 765.75 766.57 764.54 763.57 759.65 758.68 755.70 750.22
Avg LTV (loan to value) 67.20% 68.85% 70.53% 71.21% 74.43% 74.35% 75.15% 73.20%
Avg Combined LTV (loan to value) 68.87% 70.16% 71.72% 72.12% 74.92% 75.44% 75.41% 74.31%
Avg DTI (debt to income) 31.31 30.89 30.45 30.20 33.95 34.19 34.65 36.60
Avg refinance insurance % 1.69% 2.96% 3.67% 4.37% 6.20% 6.78% 5.95% 4.45%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Binghamton, New York 13905

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Binghamton, New York 13905, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Erin Thomas

Loan Officer

68 Exchange Street

Binghamton, NY 13905

(888) 253-0799

EThomas@mtb.com

Kent Sisco

Loan Officer

68 Exchange Street

Binghamton, NY 13905

(888) 253-0799

KSisco@mtb.com

Address

68 Exchange Street

Binghamton, NY

Contact

(888) 253-0799

Fax (301) 639-0804

EThomas@mtb.com

Address

68 Exchange Street

Binghamton, NY

Contact

(888) 253-0799

Fax (301) 639-0804

KSisco@mtb.com

Refinancing News for Binghamton, New York 13905