Compare Today’s Refinance Rates for Emmaus, Pennsylvania 18098
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Emmaus, Pennsylvania 18098.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,456 over the lifetime of your mortgage, which translates to a monthly savings of $21 in Emmaus and other areas of Lehigh 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 Emmaus, Pennsylvania 18098
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Interactive Refinance Rate Projections for Emmaus, Pennsylvania 18098
Pureloan has developed an interactive chart to monitor the five largest local lenders in Emmaus, PA 18098, 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 Emmaus, Pennsylvania 18098 from 2024 - 2016
The following historical data provides insights into refinancing trends in Emmaus, Pennsylvania and the surrounding Lehigh 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 | 90.00% | 47.76% | 49.36% | 47.28% | 55.19% | 57.29% | 42.74% | 50.00% | 45.37% |
avg refi rate | 6.53% | 3.52% | 2.99% | 3.28% | 4.17% | 4.70% | 4.10% | 3.90% | 4.11% |
% 15 year fixed refinance | 30.35% | 28.06% | 29.26% | 27.92% | 25.63% | 36.31% | 32.07% | 35.42% | |
avg refi rate | 2.76% | 2.45% | 2.77% | 3.48% | 3.82% | 3.31% | 3.13% | 3.31% | |
Avg credit score | 725.05 | 758.27 | 756.85 | 759.72 | 757.03 | 743.06 | 753.42 | 760.14 | 757.56 |
Avg LTV (loan to value) | 59.05% | 62.35% | 67.72% | 72.05% | 72.62% | 71.96% | 74.11% | 74.34% | 73.33% |
Avg DTI (debt to income) | 42.40 | 33.58 | 32.14 | 32.08 | 33.76 | 35.35 | 33.65 | 33.06 | 32.63 |
Avg refinance insurance % | 1.20% | 0.95% | 1.81% | 4.27% | 5.71% | 4.89% | 6.08% | 5.88% | 6.05% |
Best Refinance Brokers around Emmaus, Pennsylvania 18098
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Emmaus, Pennsylvania 18098, we have compiled a list of top refinance brokers to assist you in the process.
Kevin White
Branch Manager
2110 Walbert Ave
Allentown, PA 18098
(610) 434-5052
kevin.white@guaranteedrate.com
PATRICK FUREY
Loan Officer
4203 W Tilghman St Ofc 1
Allentown, PA 18098
(610) 530-2506
patrick.g.furey@wellsfargo.com
JOHN MEIER
Loan Officer
4203 W Tilghman St Ofc 1
Allentown, PA 18098
(610) 530-2506
john.meier@wellsfargo.com
Michael Bower
Branch Manager
4295 W Tilghman St Ste 101
Allentown, PA 18098
(610) 533-3151
mikebower@rcn.com
Amanda Gillette
Lending Specialist
1005 Brookside Rd
Allentown, PA 18098
(610) 433-7486
agillette@afcfirst.com
Address
2110 Walbert Ave
Allentown, PA
Contact
(610) 434-5052
Fax (301) 639-0804
kevin.white@guaranteedrate.com
Address
4203 W Tilghman St Ofc 1
Allentown, PA
Contact
(610) 530-2506
Fax (301) 639-0804
patrick.g.furey@wellsfargo.com
Address
4203 W Tilghman St Ofc 1
Allentown, PA
Contact
(610) 530-2506
Fax (301) 639-0804
john.meier@wellsfargo.com