Compare Today’s Refinance Rates for Surprise, New York 12176
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Surprise, New York 12176.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Surprise, New York 12176. For 30-year amortization refinancing, you can expect lifetime cash savings of $7,259 or $20 per month in Surprise and other parts of Albany county.
Summary of Average Refinances in Surprise, New York 12176
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Interactive Refinance Rate Projections for Surprise, New York 12176
Pureloan has developed an interactive chart to monitor the five largest local lenders in Surprise, NY 12176, 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 Surprise, New York 12176 from 2024 - 2016
The following historical data provides insights into refinancing trends in Surprise, New York and the surrounding Albany 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 | |
---|---|---|---|---|---|---|---|---|---|
% 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 Surprise, New York 12176
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Surprise, New York 12176, we have compiled a list of top refinance brokers to assist you in the process.
James Parvis
Loan Officer
11 Computer Dr. West Suite 214
Albany, NY 12176
(518) 459-3239
jim@empowermortgagellc.com
K Crichlow
Loan Officer/Mortgage Consultant
427 NEW KARNER RD
ALBANY, NY 12176
(518) 452-4700
kcrichlow@firstratefunding.net
Mohammed Mehmood
Mortgage/Loan Consultant
427 New Karner Rd.
Albany, NY 12176
(518) 452-4700
MMehmood@firstratefunding.net
Steve Lerner
Mortgage/Loan Consultant
427 New Karner Rd.
Albany, NY 12176
(518) 452-4700
SLerner@firstratefunding.net
Kathy Golderman
Mortgage/Loan Consultant
427 New Karner Rd.
Albany, NY 12176
(518) 452-4700
kgolderman@firstratefunding.net
Address
11 Computer Dr. West Suite 214
Albany, NY
Contact
(518) 459-3239
Fax (301) 639-0804
jim@empowermortgagellc.com
Address
427 NEW KARNER RD
ALBANY, NY
Contact
(518) 452-4700
Fax (301) 639-0804
kcrichlow@firstratefunding.net
Address
427 New Karner Rd.
Albany, NY
Contact
(518) 452-4700
Fax (301) 639-0804
MMehmood@firstratefunding.net