Compare Today’s Refinance Rates for Schenectady, New York

Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Schenectady, New York 12325. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $2,576 or $7 / month in Schenectady and other areas of Schenectady county.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Schenectady, New York 12325.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Schenectady, New York 12325

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APR

Expected Savings

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Total Closing Costs

Customized Refinance Rate Projections for Schenectady, NY

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Schenectady, NY 12325, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Local Refinance Rates for Schenectady, NY

Refinance Rates for Schenectady, New York 12325 from 2013 - 2020

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.

2013 2014 2015 2016 2017 2018 2019 2020
% 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 12325

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Schenectady, New York 12325, we have compiled a list of the leading refinance brokers to guide you.

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Refinancing News for Schenectady, New York 12325