Compare Today’s Refinance Rates for Holtsville, New York 00544
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Holtsville, New York 00544.
With a 30-year amortization refinance in Holtsville and surrounding areas of Suffolk county, our calculations show that you can expect to save up to $17,925 over the lifetime of your mortgage, or a monthly savings of $50. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Holtsville, New York 00544.
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Summary of Average Refinances in Holtsville, New York 00544
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Interactive Refinance Rate Projections for Holtsville, New York 00544
Pureloan has developed an interactive chart to monitor the five largest local lenders in Holtsville, NY 00544, 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 Holtsville, New York 00544 from 2024 - 2016
The following historical data provides insights into refinancing trends in Holtsville, New York and the surrounding Suffolk 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 | 45.20% | 51.91% | 50.00% | 53.69% | 43.12% | 37.98% | 37.71% | 45.28% | |
| avg refi rate | 3.94% | 3.84% | 4.02% | 4.48% | 3.63% | 3.91% | 4.53% | 4.77% | |
| % 15 year fixed refinance | 37.85% | 32.84% | 31.70% | 37.93% | 42.31% | 44.37% | 44.17% | 32.26% | |
| avg refi rate | 3.12% | 3.01% | 3.22% | 3.56% | 2.89% | 3.17% | 3.70% | 4.16% | |
| Avg credit score | 751.62 | 760.65 | 756.96 | 749.73 | 765.57 | 770.24 | 768.17 | 766.34 | |
| Avg LTV (loan to value) | 70.79% | 71.84% | 72.32% | 71.22% | 69.51% | 68.97% | 68.49% | 67.60% | |
| Avg DTI (debt to income) | 31.33 | 30.06 | 30.09 | 31.86 | 28.50 | 28.31 | 29.10 | 29.58 | |
| Avg refinance insurance % | 4.73% | 3.81% | 3.67% | 4.24% | 2.89% | 2.72% | 2.72% | 2.11% |
Best Refinance Brokers around Holtsville, New York 00544
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Holtsville, New York 00544, we have compiled a list of top refinance brokers to assist you in the process.
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