Compare Today’s Refinance Rates for Troy, New York

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Troy, New York 12183. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Troy and surrounding areas of Albany county, expected lifetime cash savings are $15,649 or $43 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Troy, New York 12183.

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Summary of Average Refinance Terms in Troy, New York 12183

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Troy, New York 12183 from 2012 - 2019

Below are historical data on refinancing in Troy, New York and around Albany 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 Troy, New York 12183

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Troy, New York 12183, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

James Parvis

Loan Officer

11 Computer Dr. West Suite 214

Albany, NY 12183

(518) 459-3239

jim@empowermortgagellc.com

K Crichlow

Loan Officer/Mortgage Consultant

427 NEW KARNER RD

ALBANY, NY 12183

(518) 452-4700

kcrichlow@firstratefunding.net

Mohammed Mehmood

Mortgage/Loan Consultant

427 New Karner Rd.

Albany, NY 12183

(518) 452-4700

MMehmood@firstratefunding.net

Steve Lerner

Mortgage/Loan Consultant

427 New Karner Rd.

Albany, NY 12183

(518) 452-4700

SLerner@firstratefunding.net

Kathy Golderman

Mortgage/Loan Consultant

427 New Karner Rd.

Albany, NY 12183

(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

Refinancing News for Troy, New York 12183