Compare Today’s Refinance Rates for Binghamton, New York

Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Binghamton, New York 13905. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $2,781 or $8 / month in Binghamton and other areas of Broome county.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Binghamton, New York 13905.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Binghamton, New York 13905

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Binghamton, NY 13905, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

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.

2013 2014 2015 2016 2017 2018 2019 2020
% 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%
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 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