Compare Today’s Refinance Rates for Monticello, New York 12701
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Monticello, New York 12701.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Monticello, New York 12701. For 30-year amortization refinancing, you can expect lifetime cash savings of $3,387 or $9 per month in Monticello and other parts of Sullivan county.
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Summary of Average Refinances in Monticello, New York 12701
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Interactive Refinance Rate Projections for Monticello, New York 12701
Pureloan has developed an interactive chart to monitor the five largest local lenders in Monticello, NY 12701, 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 Monticello, New York 12701 from 2024 - 2016
The following historical data provides insights into refinancing trends in Monticello, New York and the surrounding Sullivan 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 | |
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% 30 year fixed refinance | 33.33% | 46.51% | 44.13% | 36.41% | 49.25% | 52.78% | 41.10% | 32.20% | 30.30% |
avg refi rate | 7.50% | 3.61% | 3.07% | 3.32% | 4.30% | 4.52% | 4.11% | 3.83% | 3.96% |
% 15 year fixed refinance | 66.67% | 33.72% | 36.15% | 42.12% | 32.84% | 33.33% | 45.21% | 50.00% | 44.44% |
avg refi rate | 5.94% | 2.88% | 2.50% | 2.77% | 3.69% | 3.67% | 3.01% | 2.90% | 3.11% |
Avg credit score | 760.00 | 749.17 | 754.96 | 762.29 | 752.66 | 741.22 | 755.77 | 760.75 | 761.86 |
Avg LTV (loan to value) | 66.33% | 65.74% | 71.79% | 73.80% | 72.09% | 70.06% | 74.55% | 74.01% | 73.30% |
Avg DTI (debt to income) | 29.67 | 33.80 | 33.20 | 32.93 | 35.00 | 35.36 | 34.05 | 33.99 | 34.06 |
Avg refinance insurance % | 10.00% | 1.28% | 3.50% | 4.76% | 5.13% | 6.31% | 5.04% | 5.73% | 6.12% |
Best Refinance Brokers around Monticello, New York 12701
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Monticello, New York 12701, we have compiled a list of top refinance brokers to assist you in the process.
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