Compare Today’s Refinance Rates for Clarksville, New York 12041
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Clarksville, New York 12041.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $13,534 over the lifetime of your mortgage, which translates to a monthly savings of $38 in Clarksville and other areas of Albany 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 Clarksville, New York 12041
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Interactive Refinance Rate Projections for Clarksville, New York 12041
Pureloan has developed an interactive chart to monitor the five largest local lenders in Clarksville, NY 12041, 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 Clarksville, New York 12041 from 2024 - 2016
The following historical data provides insights into refinancing trends in Clarksville, New York and the surrounding Albany 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 | 75.00% | 37.13% | 42.41% | 40.59% | 56.52% | 51.58% | 36.47% | 34.66% | 38.21% |
| avg refi rate | 6.50% | 3.50% | 3.03% | 3.24% | 4.27% | 4.44% | 3.90% | 3.80% | 3.97% |
| % 15 year fixed refinance | 36.63% | 35.22% | 35.53% | 26.09% | 29.47% | 42.35% | 49.72% | 41.06% | |
| avg refi rate | 2.54% | 2.46% | 2.76% | 3.42% | 3.89% | 3.09% | 2.89% | 3.09% | |
| Avg credit score | 717.50 | 752.39 | 759.07 | 762.79 | 755.77 | 746.77 | 755.40 | 758.55 | 761.71 |
| Avg LTV (loan to value) | 36.50% | 62.50% | 69.34% | 73.44% | 70.65% | 66.45% | 72.49% | 72.61% | 72.03% |
| Avg DTI (debt to income) | 27.25 | 34.00 | 32.72 | 32.61 | 34.28 | 36.61 | 32.68 | 33.13 | 32.45 |
| Avg refinance insurance % | 1.12% | 2.58% | 4.91% | 4.14% | 3.85% | 3.99% | 4.64% | 4.88% |
Best Refinance Brokers around Clarksville, New York 12041
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Clarksville, New York 12041, we have compiled a list of top refinance brokers to assist you in the process.
Mark Favaloro
Loan Officer
763 Saratoga Road
Burnt Hills, NY 12041
(518) 384-2274
mfavaloro@aamtrust.com
Philip Wagner
Loan Officer
19 Clifton Country Rd.
Clifton Park, NY 12041
(518) 347-1572
philipwagnersr@aol.com
James Ireland
Loan Officer
990 State Rt 67
Ballston , NY 12041
(518) 363-8115
JIreland@bsnb.com
Stephanie LaPell
Loan Officer
990 State Rt 67
Ballston , NY 12041
(518) 363-8120
slapell@bsnb.com
Barbara Creeden
Mortgage Processor
990 State Rt 67
Ballston , NY 12041
(518) 363-8136
BCreeden@bsnb.com
Address
763 Saratoga Road
Burnt Hills, NY
Contact
(518) 384-2274
Fax (301) 639-0804
mfavaloro@aamtrust.com
Address
19 Clifton Country Rd.
Clifton Park, NY
Contact
(518) 347-1572
Fax (301) 639-0804
philipwagnersr@aol.com
Address
990 State Rt 67
Ballston , NY
Contact
(518) 363-8115
Fax (301) 639-0804
JIreland@bsnb.com