Compare Today’s Refinance Rates for Albany, Oregon 97322
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Albany, Oregon 97322.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,369 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Albany and other areas of Linn county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Albany, Oregon 97322
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Interactive Refinance Rate Projections for Albany, Oregon 97322
Pureloan has developed an interactive chart to monitor the five largest local lenders in Albany, OR 97322, 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 Albany, Oregon 97322 from 2024 - 2016
The following historical data provides insights into refinancing trends in Albany, Oregon and the surrounding Linn 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 | 90.32% | 67.46% | 73.99% | 75.36% | 78.91% | 75.00% | 71.12% | 72.25% | 73.37% |
avg refi rate | 6.46% | 3.45% | 2.94% | 3.25% | 4.05% | 4.52% | 4.05% | 3.91% | 4.07% |
% 15 year fixed refinance | 9.68% | 18.17% | 15.74% | 15.43% | 12.54% | 18.28% | 19.81% | 19.11% | 16.87% |
avg refi rate | 4.83% | 2.58% | 2.40% | 2.77% | 3.48% | 3.88% | 3.32% | 3.20% | 3.34% |
Avg credit score | 743.29 | 754.37 | 767.13 | 766.54 | 763.43 | 748.66 | 751.70 | 758.77 | 762.11 |
Avg LTV (loan to value) | 57.94% | 56.34% | 61.97% | 65.77% | 68.08% | 61.43% | 65.18% | 68.22% | 70.77% |
Avg DTI (debt to income) | 39.74 | 35.36 | 32.38 | 32.25 | 34.17 | 34.75 | 33.99 | 33.61 | 32.71 |
Avg refinance insurance % | 0.77% | 0.80% | 1.61% | 2.97% | 4.08% | 1.46% | 1.70% | 2.59% | 3.88% |
Best Refinance Brokers around Albany, Oregon 97322
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Albany, Oregon 97322, we have compiled a list of top refinance brokers to assist you in the process.
Alishia Hoskins
Sales Manager
222 First Ave.,Suite 240
Albany, OR 97322
(800) 464-2484
alishia.hoskins@prospectmtg.com
Kris Hubbard
Branch Manager/Sr. Mortgage Banker
2405 14th Ave SE Ste C
Albany, OR 97322
(541) 791-2612
Kris.Hubbard@pacresmortgage.com
Van Melick
Senior Mortgage Specialist
430 NW 3rd St
Corvallis, OR 97322
(541) 286-4165
van.melick@directorsmortgage.net
JJ Johnson
Home Mortgage Consultant
580 State St
Salem, OR 97322
(866) 472-9418
JJ.Johnson@Wellsfargo.com
Beth Morey
Home Mortgage Consultant
580 State St
Salem, OR 97322
(866) 472-9418
Beth.Morey@Wellsfargo.com
Address
222 First Ave.,Suite 240
Albany, OR
Contact
(800) 464-2484
Fax (301) 639-0804
alishia.hoskins@prospectmtg.com
Address
2405 14th Ave SE Ste C
Albany, OR
Contact
(541) 791-2612
Fax (301) 639-0804
Kris.Hubbard@pacresmortgage.com
Address
430 NW 3rd St
Corvallis, OR
Contact
(541) 286-4165
Fax (301) 639-0804
van.melick@directorsmortgage.net