Compare Today’s Refinance Rates for Gainesville, Texas 76241
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Gainesville, Texas 76241.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $3,562 over the lifetime of your mortgage, which translates to a monthly savings of $10 in Gainesville and other areas of Cooke 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 Gainesville, Texas 76241
Become a certified mortgage expert on Pureloan.com
in Gainesville, Texas 76241
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Gainesville, Texas 76241
Pureloan has developed an interactive chart to monitor the five largest local lenders in Gainesville, TX 76241, 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 Gainesville, Texas 76241 from 2024 - 2016
The following historical data provides insights into refinancing trends in Gainesville, Texas and the surrounding Cooke 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 | 90.28% | 65.85% | 64.07% | 64.16% | 61.94% | 64.23% | 54.48% | 50.98% | 47.28% |
| avg refi rate | 6.30% | 3.67% | 2.94% | 3.24% | 4.12% | 4.62% | 4.19% | 3.92% | 4.13% |
| % 15 year fixed refinance | 6.94% | 20.51% | 22.21% | 23.15% | 25.03% | 26.63% | 36.04% | 36.23% | 38.68% |
| avg refi rate | 5.80% | 2.72% | 2.40% | 2.80% | 3.55% | 3.93% | 3.38% | 3.20% | 3.39% |
| Avg credit score | 749.32 | 750.63 | 754.47 | 760.30 | 749.98 | 737.57 | 741.76 | 745.70 | 747.29 |
| Avg LTV (loan to value) | 59.94% | 60.39% | 67.06% | 70.19% | 69.92% | 64.40% | 66.67% | 69.57% | 71.27% |
| Avg DTI (debt to income) | 37.04 | 35.85 | 33.17 | 32.87 | 35.15 | 35.50 | 35.01 | 33.56 | 32.40 |
| Avg refinance insurance % | 2.63% | 0.74% | 2.75% | 4.37% | 4.94% | 1.66% | 2.51% | 2.74% | 2.48% |
Best Refinance Brokers around Gainesville, Texas 76241
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Gainesville, Texas 76241, we have compiled a list of top refinance brokers to assist you in the process.
Craig Falco
Branch Manager
206 South Dixon, Suite 104
Gainesville, TX 76241
(940) 665-0715
cfalco@texasfcs.com
Shelby Stephens
Loan Officer
406 N. Grand Avenue, Suite 103
Gainesville, TX 76241
(940) 612-4000
Scott.Stephens@Guildmortgage.Com
Timothy Biles
Loan Officer
406 N. Grand Avenue, Suite 103
Gainesville, TX 76241
(940) 612-4000
Tbiles@Guildmortgage.Com
Rene Burson
Loan Officer
5751 Kroger Dr Ste 265
Keller, TX 76241
(817) 453-5863
rburson@ameriprofunding.com
Matthew Martel
Loan Officer
5751 Kroger Dr Ste 265
Keller, TX 76241
(817) 380-5605
mmartel@ameriprofunding.com
Address
206 South Dixon, Suite 104
Gainesville, TX
Contact
(940) 665-0715
Fax (301) 639-0804
cfalco@texasfcs.com
Address
406 N. Grand Avenue, Suite 103
Gainesville, TX
Contact
(940) 612-4000
Fax (301) 639-0804
Scott.Stephens@Guildmortgage.Com
Address
406 N. Grand Avenue, Suite 103
Gainesville, TX
Contact
(940) 612-4000
Fax (301) 639-0804
Tbiles@Guildmortgage.Com