Compare Today’s Refinance Rates for Clayville, Rhode Island 02815
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Clayville, Rhode Island 02815.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Clayville, Rhode Island 02815. For 30-year amortization refinancing, you can expect lifetime cash savings of $17,654 or $49 per month in Clayville and other parts of Providence county.
Summary of Average Refinances in Clayville, Rhode Island 02815
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Interactive Refinance Rate Projections for Clayville, Rhode Island 02815
Pureloan has developed an interactive chart to monitor the five largest local lenders in Clayville, RI 02815, 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 Clayville, Rhode Island 02815 from 2024 - 2016
The following historical data provides insights into refinancing trends in Clayville, Rhode Island and the surrounding Providence 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 | 93.94% | 55.38% | 61.13% | 61.14% | 61.51% | 60.50% | 49.67% | 54.33% | 55.89% |
| avg refi rate | 6.27% | 3.51% | 2.95% | 3.24% | 4.08% | 4.50% | 4.09% | 3.86% | 4.08% |
| % 15 year fixed refinance | 3.03% | 26.42% | 24.18% | 23.58% | 25.08% | 25.08% | 36.80% | 33.48% | 29.75% |
| avg refi rate | 6.36% | 2.62% | 2.42% | 2.78% | 3.53% | 3.80% | 3.21% | 3.06% | 3.30% |
| Avg credit score | 746.06 | 740.78 | 752.89 | 761.17 | 754.43 | 747.45 | 747.06 | 757.12 | 756.82 |
| Avg LTV (loan to value) | 60.09% | 56.09% | 64.67% | 68.88% | 69.89% | 68.33% | 69.36% | 70.87% | 71.81% |
| Avg DTI (debt to income) | 35.06 | 32.45 | 30.78 | 30.11 | 31.38 | 32.99 | 31.95 | 30.82 | 31.41 |
| Avg refinance insurance % | 1.09% | 0.55% | 2.13% | 3.63% | 5.08% | 2.44% | 3.53% | 3.63% | 4.08% |
Best Refinance Brokers around Clayville, Rhode Island 02815
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Clayville, Rhode Island 02815, we have compiled a list of top refinance brokers to assist you in the process.
David Martinelli
Mortgage Loan Officer
25 Mall Road, Suite 408
Wellesley, MA 02815
(781) 489-3176
djmartinelli@washtrustmortgage.com
Paul Fredette
Vp & Regional Manager
25 Mall Road, Suite 408
Wellesley, MA 02815
(781) 489-3179
pmfredette@washtrustmortgage.com
Sean Fleming
Mortgage Loan Officer
25 Mall Road, Suite 408
Wellesley, MA 02815
(781) 489-3178
spfleming@washtrustmortgage.com
Thomas Pierce
Mortgage Loan Officer
25 Mall Road, Suite 408
Wellesley, MA 02815
(508) 942-5749
tipierce@washtrustmortgage.com
Gina Helm
Vice President Mortgage Originator
6 Gooding Ave
Bristol, RI 02815
(401) 842-0954
gina.helm@banknewport.com
Address
25 Mall Road, Suite 408
Wellesley, MA
Contact
(781) 489-3176
Fax (301) 639-0804
djmartinelli@washtrustmortgage.com
Address
25 Mall Road, Suite 408
Wellesley, MA
Contact
(781) 489-3179
Fax (301) 639-0804
pmfredette@washtrustmortgage.com
Address
25 Mall Road, Suite 408
Wellesley, MA
Contact
(781) 489-3178
Fax (301) 639-0804
spfleming@washtrustmortgage.com