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.
Summary of Average Refinance Terms in Schenectady, New York 12325
Total Closing Costs
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Customized Refinance Rate Projections for Schenectady, NY
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.
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.
|% 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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