Compare Today’s Refinance Rates for Eugene, Oregon 97403
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Eugene, Oregon 97403.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,385 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Eugene and other areas of Lane 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 Eugene, Oregon 97403
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Interactive Refinance Rate Projections for Eugene, Oregon 97403
Pureloan has developed an interactive chart to monitor the five largest local lenders in Eugene, OR 97403, 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 Eugene, Oregon 97403 from 2024 - 2016
The following historical data provides insights into refinancing trends in Eugene, Oregon and the surrounding Lane 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 | 100.00% | 68.64% | 75.43% | 73.84% | 79.40% | 76.16% | 72.21% | 71.02% | 69.76% |
avg refi rate | 6.43% | 3.56% | 2.98% | 3.29% | 4.20% | 4.67% | 4.13% | 3.97% | 4.13% |
% 15 year fixed refinance | 19.16% | 15.16% | 16.21% | 12.80% | 18.21% | 19.96% | 20.23% | 23.54% | |
avg refi rate | 2.75% | 2.46% | 2.81% | 3.52% | 3.96% | 3.38% | 3.25% | 3.38% | |
Avg credit score | 758.00 | 784.26 | 760.88 | 763.62 | 753.19 | 751.37 | 754.84 | 758.56 | 764.16 |
Avg LTV (loan to value) | 45.67% | 54.79% | 61.81% | 66.62% | 68.63% | 65.34% | 68.49% | 71.48% | 71.59% |
Avg DTI (debt to income) | 36.60 | 35.85 | 32.95 | 33.30 | 35.38 | 35.07 | 34.67 | 34.03 | 33.77 |
Avg refinance insurance % | 0.55% | 1.26% | 2.45% | 3.56% | 1.87% | 2.83% | 4.21% | 4.86% |
Best Refinance Brokers around Eugene, Oregon 97403
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Eugene, Oregon 97403, we have compiled a list of top refinance brokers to assist you in the process.
Sheila Miller
Home Loan Officer
800 Willamette Street Suite 525
Eugene, OR 97403
(541) 654-5008
sheila.miller@homestreet.com
Heather Ducker
Home Loan Officer
800 Willamette Street Suite 525
Eugene, OR 97403
(541) 654-5008
heather.ducker@homestreet.com
Pamela Hoffine
Branch Manager / Sr. Mortgage Banker
100 W 13th, Suite 200
Eugene, OR 97403
(541) 600-2833
pamela.hoffine@pacresmortgage.com
Ladelle White
Loan Officer
360 E 10th Ave suite 101
Eugene, OR 97403
(541) 343-1995
lwhite@guildmortgage.net
Rhonda Stickney
Branch Manager
360 E 10th Ave suite 101
Eugene, OR 97403
(541) 343-1995
rstickney@guildmortgage.net
Address
800 Willamette Street Suite 525
Eugene, OR
Contact
(541) 654-5008
Fax (301) 639-0804
sheila.miller@homestreet.com
Address
800 Willamette Street Suite 525
Eugene, OR
Contact
(541) 654-5008
Fax (301) 639-0804
heather.ducker@homestreet.com
Address
100 W 13th, Suite 200
Eugene, OR
Contact
(541) 600-2833
Fax (301) 639-0804
pamela.hoffine@pacresmortgage.com