Compare Today’s Refinance Rates for Wells, New York 12190
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Wells, New York 12190.
With a 30-year amortization refinance in Wells and surrounding areas of Hamilton county, our calculations show that you can expect to save up to $7,632 over the lifetime of your mortgage, or a monthly savings of $21. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Wells, New York 12190.
Summary of Average Refinances in Wells, New York 12190
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Interactive Refinance Rate Projections for Wells, New York 12190
Pureloan has developed an interactive chart to monitor the five largest local lenders in Wells, NY 12190, 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 Wells, New York 12190 from 2024 - 2016
The following historical data provides insights into refinancing trends in Wells, New York and the surrounding Hamilton 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 Wells, New York 12190
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Wells, New York 12190, 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 12190
(518) 459-3239
jim@empowermortgagellc.com
K Crichlow
Loan Officer/Mortgage Consultant
427 NEW KARNER RD
ALBANY, NY 12190
(518) 452-4700
kcrichlow@firstratefunding.net
Mohammed Mehmood
Mortgage/Loan Consultant
427 New Karner Rd.
Albany, NY 12190
(518) 452-4700
MMehmood@firstratefunding.net
Steve Lerner
Mortgage/Loan Consultant
427 New Karner Rd.
Albany, NY 12190
(518) 452-4700
SLerner@firstratefunding.net
Kathy Golderman
Mortgage/Loan Consultant
427 New Karner Rd.
Albany, NY 12190
(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