Compare Today’s Refinance Rates for Montgomery, Texas 77316
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Montgomery, Texas 77316.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Montgomery, Texas 77316. For 30-year amortization refinancing, you can expect lifetime cash savings of $5,056 or $14 per month in Montgomery and other parts of Montgomery county.
Summary of Average Refinances in Montgomery, Texas 77316
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Interactive Refinance Rate Projections for Montgomery, Texas 77316
Pureloan has developed an interactive chart to monitor the five largest local lenders in Montgomery, TX 77316, 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 Montgomery, Texas 77316 from 2024 - 2016
The following historical data provides insights into refinancing trends in Montgomery, Texas and the surrounding Montgomery 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 | 87.78% | 50.74% | 51.97% | 53.39% | 57.61% | 50.54% | 39.75% | 39.25% | 38.55% |
| avg refi rate | 6.64% | 3.72% | 2.95% | 3.24% | 4.41% | 4.88% | 4.29% | 4.01% | 4.13% |
| % 15 year fixed refinance | 8.89% | 32.87% | 32.88% | 33.12% | 29.90% | 39.49% | 49.17% | 48.13% | 47.82% |
| avg refi rate | 5.27% | 2.79% | 2.43% | 2.77% | 3.68% | 4.00% | 3.46% | 3.26% | 3.41% |
| Avg credit score | 734.20 | 740.60 | 758.13 | 763.64 | 747.20 | 731.26 | 738.14 | 744.00 | 745.30 |
| Avg LTV (loan to value) | 68.38% | 61.79% | 65.63% | 68.31% | 67.82% | 66.30% | 64.35% | 65.45% | 65.93% |
| Avg DTI (debt to income) | 38.44 | 34.65 | 31.81 | 30.96 | 34.34 | 35.95 | 34.34 | 33.13 | 32.70 |
| Avg refinance insurance % | 1.69% | 1.11% | 2.65% | 3.26% | 3.81% | 2.05% | 1.49% | 1.70% | 1.45% |
Best Refinance Brokers around Montgomery, Texas 77316
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Montgomery, Texas 77316, we have compiled a list of top refinance brokers to assist you in the process.
James Hadley
Mortgage Lender
14729 Highway 105 W Ste. 150
Montgomery, TX 77316
(936) 597-5661
james.hadley@academymortgage.com
Chris Holzchu
Mortgage Lender
14729 Highway 105 W Ste. 150
Montgomery, TX 77316
(936) 588-6009
chris.holzshu@academymortgage.com
Dewayne Hawkins
Loan officer
18001 Highway 105 W. Suite 109
Montgomery, TX 77316
(281) 909-3044
dhawkins@unionhomemortgage.com
Clayton Gray
Team Lead/Sr. Loan Officer
15260 Highway 105 W. , Suite 225
Montgomery, TX 77316
(832) 739-9315
cgray@unionhomemortgage.com
Angela Vines
Mortgage Banker
18801 Hwy 105 W
Montgomery, TX 77316
(28) 904-8447
angela.k.vines@chase.com
Address
14729 Highway 105 W Ste. 150
Montgomery, TX
Contact
(936) 597-5661
Fax (301) 639-0804
james.hadley@academymortgage.com
Address
14729 Highway 105 W Ste. 150
Montgomery, TX
Contact
(936) 588-6009
Fax (301) 639-0804
chris.holzshu@academymortgage.com
Address
18001 Highway 105 W. Suite 109
Montgomery, TX
Contact
(281) 909-3044
Fax (301) 639-0804
dhawkins@unionhomemortgage.com