Compare Today’s Refinance Rates for Philomath, Oregon 97370
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Philomath, Oregon 97370.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,539 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Philomath and other areas of Benton 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 Philomath, Oregon 97370
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Interactive Refinance Rate Projections for Philomath, Oregon 97370
Pureloan has developed an interactive chart to monitor the five largest local lenders in Philomath, OR 97370, 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 Philomath, Oregon 97370 from 2024 - 2016
The following historical data provides insights into refinancing trends in Philomath, Oregon and the surrounding Benton 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 Philomath, Oregon 97370
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Philomath, Oregon 97370, we have compiled a list of top refinance brokers to assist you in the process.
Heather Sharp
Loan Officer
975 Oak Street
Eugene, OR 97370
(541) 687-5079
heather_sharp@keybank.com
Tami Konkel
Mortgage Specialist
937 Chetco Ave Bldg D
Brookings, OR 97370
(541) 412-2742
TKonkel@BayWestmail.com
Curt Sandfort
Loan Officer
1022 NE Stephens St
Roseburg, OR 97370
(541) 492-1150
curt@phlloans.com
Maureen Routt
Loan Officer
1022 NE Stephens St
Roseburg, OR 97370
maureen@phlloans.com
Connie Epperson
Loan Officer
1022 NE Stephens St
Roseburg, OR 97370
(541) 391-9816
connie@phlloans.com
Address
975 Oak Street
Eugene, OR
Contact
(541) 687-5079
Fax (301) 639-0804
heather_sharp@keybank.com
Address
937 Chetco Ave Bldg D
Brookings, OR
Contact
(541) 412-2742
Fax (301) 639-0804
TKonkel@BayWestmail.com
Address
1022 NE Stephens St
Roseburg, OR
Contact
(541) 492-1150
Fax (301) 639-0804
curt@phlloans.com