Compare Today’s Refinance Rates for Echo, Oregon 97826
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Echo, Oregon 97826.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Echo, Oregon 97826. For 30-year amortization refinancing, you can expect lifetime cash savings of $5,838 or $16 per month in Echo and other parts of Umatilla county.
45.74109
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Summary of Average Refinances in Echo, Oregon 97826
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Echo, Oregon 97826
Pureloan has developed an interactive chart to monitor the five largest local lenders in Echo, OR 97826, 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 Echo, Oregon 97826 from 2024 - 2016
The following historical data provides insights into refinancing trends in Echo, Oregon and the surrounding Umatilla 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 Echo, Oregon 97826
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Echo, Oregon 97826, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Michelle Fiala
Mortgage Consultant
1435 Campbell St
Baker City, OR 97826
(541) 524-7642
michelle.fiala@mannmortgage.com
Laura Hasbell
Processor
2108 Island Ave
La Grande, OR 97826
(541) 962-7557
laura.hasbell@mannmortgage.com
Address
1435 Campbell St
Baker City, OR
Contact
(541) 524-7642
Fax (301) 639-0804
michelle.fiala@mannmortgage.com
Address
2108 Island Ave
La Grande, OR
Contact
(541) 962-7557
Fax (301) 639-0804
laura.hasbell@mannmortgage.com