Compare Today’s Refinance Rates for Joseph, Utah 84739
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Joseph, Utah 84739.
With a 30-year amortization refinance in Joseph and surrounding areas of Sevier county, our calculations show that you can expect to save up to $7,153 over the lifetime of your mortgage, or a monthly savings of $20. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Joseph, Utah 84739.
Summary of Average Refinances in Joseph, Utah 84739
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Interactive Refinance Rate Projections for Joseph, Utah 84739
Pureloan has developed an interactive chart to monitor the five largest local lenders in Joseph, UT 84739, 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 Joseph, Utah 84739 from 2024 - 2016
The following historical data provides insights into refinancing trends in Joseph, Utah and the surrounding Sevier 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 | 95.65% | 72.32% | 74.09% | 73.56% | 81.37% | 78.74% | 71.05% | 71.66% | 69.57% |
| avg refi rate | 6.31% | 3.57% | 2.88% | 3.20% | 4.00% | 4.49% | 4.11% | 3.83% | 4.04% |
| % 15 year fixed refinance | 4.35% | 15.72% | 15.37% | 14.38% | 10.22% | 14.41% | 18.46% | 18.39% | 18.23% |
| avg refi rate | 5.91% | 2.59% | 2.33% | 2.69% | 3.42% | 3.79% | 3.33% | 3.07% | 3.25% |
| Avg credit score | 742.17 | 751.97 | 758.67 | 763.12 | 755.86 | 746.51 | 747.36 | 756.97 | 757.17 |
| Avg LTV (loan to value) | 59.27% | 55.65% | 62.37% | 67.02% | 72.95% | 67.74% | 70.94% | 72.64% | 74.20% |
| Avg DTI (debt to income) | 37.12 | 35.06 | 32.07 | 31.71 | 33.92 | 35.10 | 34.26 | 33.03 | 33.04 |
| Avg refinance insurance % | 2.49% | 0.97% | 1.72% | 3.08% | 5.87% | 2.67% | 3.66% | 4.64% | 5.90% |
Best Refinance Brokers around Joseph, Utah 84739
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Joseph, Utah 84739, we have compiled a list of top refinance brokers to assist you in the process.
James Pherson
Mortgage Consultant/Area Manager
20 North Main Street, Suite 201
St. George, UT 84739
(801) 233-7129
james.macpherson@AcademyMortgage.com
Rock Reber
Loan Officer
20 North Main Street, Suite 201
St. George, UT 84739
(435) 862-9556
rock.reber@academy.cc
Jim Lemmon
Associate Broker
6223 W 135 N #27
Hurricane, UT 84739
(435) 635-4547
jslemmon@buysouthernutah.com
Ryan Lemmon
Branch Broker
6223 W 135 N #27
Hurricane, UT 84739
(435) 635-4547
ryan@buysouthernutah.com
Rand Lemmon
Broker
6223 W 135 N #27
Hurricane, UT 84739
(435) 635-4547
rand@buysouthernutah.com
Address
20 North Main Street, Suite 201
St. George, UT
Contact
(801) 233-7129
Fax (301) 639-0804
james.macpherson@AcademyMortgage.com
Address
20 North Main Street, Suite 201
St. George, UT
Contact
(435) 862-9556
Fax (301) 639-0804
rock.reber@academy.cc
Address
6223 W 135 N #27
Hurricane, UT
Contact
(435) 635-4547
Fax (301) 639-0804
jslemmon@buysouthernutah.com