Compare Today’s Refinance Rates for Riley, Oregon 97758
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Riley, Oregon 97758.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,430 over the lifetime of your mortgage, which translates to a monthly savings of $21 in Riley and other areas of Harney 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.
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Summary of Average Refinances in Riley, Oregon 97758
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Riley, Oregon 97758
Pureloan has developed an interactive chart to monitor the five largest local lenders in Riley, OR 97758, 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 Riley, Oregon 97758 from 2024 - 2016
The following historical data provides insights into refinancing trends in Riley, Oregon and the surrounding Harney 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 Riley, Oregon 97758
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Riley, Oregon 97758, 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 97758
(541) 524-7642
michelle.fiala@mannmortgage.com
Laura Hasbell
Processor
2108 Island Ave
La Grande, OR 97758
(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