Compare Today’s Refinance Rates for Schenectady, New York

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Schenectady, New York 12345. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Schenectady and surrounding areas of Schenectady county, expected lifetime cash savings are $19,527 or $54 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Schenectady, New York 12345.

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Summary of Average Refinance Terms in Schenectady, New York 12345

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Refinance Rates for Schenectady, New York 12345 from 2012 - 2019

Below are historical data on refinancing in Schenectady, New York and around Schenectady 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%
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 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 Schenectady, New York 12345

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Schenectady, New York 12345, we have compiled a list of the leading refinance brokers to guide you.

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Refinancing News for Schenectady, New York 12345