Compare Today’s Refinance Rates for Poughkeepsie, New York

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Poughkeepsie, New York 12604. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Poughkeepsie and surrounding areas of Dutchess county, expected lifetime cash savings are $26,884 or $75 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Poughkeepsie, New York 12604.

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Summary of Average Refinance Terms in Poughkeepsie, New York 12604

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Poughkeepsie, New York 12604 from 2012 - 2019

Below are historical data on refinancing in Poughkeepsie, New York and around Dutchess 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 48.28% 34.02% 38.13% 41.11% 43.53% 44.64% 39.45% 42.52%
avg refi rate 4.82% 4.50% 3.88% 3.58% 4.52% 4.00% 3.78% 3.77%
% 15 year fixed refinance 34.18% 43.59% 46.01% 42.16% 40.00% 38.69% 47.02% 40.16%
avg refi rate 4.18% 3.78% 3.18% 2.83% 3.50% 3.10% 2.89% 2.92%
% 10 year fixed refinance 1.45% 4.10% 1.73% 1.91% 2.94% 1.79% 0.92% 1.57%
avg refi rate 4.14% 3.75% 3.19% 2.76% 3.48% 3.15% 2.72% 3.56%
Avg credit score 768.29 768.98 769.88 766.67 751.32 761.20 760.15 758.21
Avg LTV (loan to value) 64.77% 63.53% 65.52% 68.20% 69.32% 71.09% 71.75% 72.26%
Avg Combined LTV (loan to value) 65.79% 64.12% 66.22% 68.94% 69.82% 72.15% 72.08% 72.46%
Avg DTI (debt to income) 31.52 30.64 29.95 30.47 33.38 32.14 32.19 32.80
Avg refinance insurance % 2.28% 2.55% 2.84% 3.68% 4.14% 4.57% 4.11% 3.47%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Poughkeepsie, New York 12604

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Poughkeepsie, New York 12604, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Tony Urciuoli

Mortgage Banker

48 Vassar Rd

Poughkeepsie, NY 12604

(845) 489-8470

tony.g.urciuoli@chase.com

Daniel Gallagher

Loan Officer

2515 South Ridge, Bldg. 1

Poughkeepsie, NY 12604

(845) 224-2089

Daniel_J_Gallagher@KeyBank.com

Michele Rizzi

Loan Officer/Mortgage Consultant

159 Barnegat Rd.

Poughkeepsie, NY 12604

(845) 463-3011

rizxm@hvfcu.org

Bill Liebertz

Loan Officer/Mortgage Consultant

159 Barnegat Rd.

Poughkeepsie, NY 12604

(845) 463-3011

liebw@hvfcu.org

Tom Henry

Loan Officer/Mortgage Consultant

159 Barnegat Rd.

Poughkeepsie, NY 12604

(845) 463-3011

henrt@hvfcu.org

Address

48 Vassar Rd

Poughkeepsie, NY

Contact

(845) 489-8470

Fax (301) 639-0804

tony.g.urciuoli@chase.com

Address

2515 South Ridge, Bldg. 1

Poughkeepsie, NY

Contact

(845) 224-2089

Fax (301) 639-0804

Daniel_J_Gallagher@KeyBank.com

Address

159 Barnegat Rd.

Poughkeepsie, NY

Contact

(845) 463-3011

Fax (301) 639-0804

rizxm@hvfcu.org

Refinancing News for Poughkeepsie, New York 12604