Compare Today’s Refinance Rates for Youngstown, New York

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Youngstown, New York 14174. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Youngstown and other areas of Niagara county, expected lifetime cash savings are $5,758 or $16 / month.

For Youngstown, New York 14174, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.

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Summary of Average Refinance Terms in Youngstown, New York 14174

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Youngstown, NY 14174, 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 Youngstown, New York 14174 from 2012 - 2019

Below are historical data on refinancing in Youngstown, New York and around Niagara 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 39.46% 35.89% 36.88% 47.76% 49.37% 48.82% 50.95% 44.95%
avg refi rate 4.83% 4.53% 3.90% 3.69% 4.49% 4.10% 3.88% 3.88%
% 15 year fixed refinance 39.33% 41.74% 40.38% 33.30% 34.18% 31.57% 29.89% 37.37%
avg refi rate 4.29% 3.76% 3.24% 2.96% 3.58% 3.22% 3.13% 3.11%
Avg credit score 765.85 766.33 767.84 762.42 744.92 754.42 754.69 751.66
Avg LTV (loan to value) 66.12% 66.39% 67.46% 70.15% 72.24% 72.80% 73.26% 69.75%
Avg DTI (debt to income) 31.48 31.25 30.66 30.94 33.76 33.78 33.07 33.94
Avg refinance insurance % 1.81% 1.85% 2.44% 3.83% 5.19% 4.62% 5.03% 3.54%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Youngstown, New York 14174

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Youngstown, New York 14174, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Regina Holman

Loan Officer

40 John Glenn

Amherst, NY 14174

(888) 253-0799

RHolman@mtb.com

S. Nick Balesteri

Loan Officer

1705 Hertel Ave

Buffalo, NY 14174

(716) 819-1081

c21bal@aol.com

John Eckhardt Becker Jr

Loan Officer

1127 Wehrle Drive - Suite 3

Williamsville, NY 14174

(716) 662-2944

johnbecker@hbofunding.com

Nancy Gascoyne

Loan Officer

5684 Main St

Williamsville, NY 14174

(716) 932-7863

ngascoyne@homesteadfunding.com

Mary Traversone

Branch Manager

5684 Main St

Williamsville, NY 14174

(716) 932-7863

mtraversone@homesteadfunding.com

Address

40 John Glenn

Amherst, NY

Contact

(888) 253-0799

Fax (301) 639-0804

RHolman@mtb.com

Address

1705 Hertel Ave

Buffalo, NY

Contact

(716) 819-1081

Fax (301) 639-0804

c21bal@aol.com

Address

1127 Wehrle Drive - Suite 3

Williamsville, NY

Contact

(716) 662-2944

Fax (301) 639-0804

johnbecker@hbofunding.com

Refinancing News for Youngstown, New York 14174