Compare Today’s Refinance Rates for Elgin, Oregon 97827
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Elgin, Oregon 97827.
With a 30-year amortization refinance in Elgin and surrounding areas of Union county, our calculations show that you can expect to save up to $5,838 over the lifetime of your mortgage, or a monthly savings of $16. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Elgin, Oregon 97827.
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Summary of Average Refinances in Elgin, Oregon 97827
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Elgin, Oregon 97827
Pureloan has developed an interactive chart to monitor the five largest local lenders in Elgin, OR 97827, 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 Elgin, Oregon 97827 from 2024 - 2016
The following historical data provides insights into refinancing trends in Elgin, Oregon and the surrounding Union 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 Elgin, Oregon 97827
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Elgin, Oregon 97827, 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 97827
(541) 524-7642
michelle.fiala@mannmortgage.com
Laura Hasbell
Processor
2108 Island Ave
La Grande, OR 97827
(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