Compare Today’s Refinance Rates for Bellingham, Washington 98226
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Bellingham, Washington 98226.
With a 30-year amortization refinance in Bellingham and surrounding areas of Whatcom county, our calculations show that you can expect to save up to $7,525 over the lifetime of your mortgage, or a monthly savings of $21. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Bellingham, Washington 98226.
Summary of Average Refinances in Bellingham, Washington 98226
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Interactive Refinance Rate Projections for Bellingham, Washington 98226
Pureloan has developed an interactive chart to monitor the five largest local lenders in Bellingham, WA 98226, 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 Bellingham, Washington 98226 from 2024 - 2016
The following historical data provides insights into refinancing trends in Bellingham, Washington and the surrounding Whatcom 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 | 84.21% | 63.48% | 71.68% | 73.13% | 76.59% | 71.42% | 66.71% | 69.98% | 68.14% |
avg refi rate | 6.30% | 3.44% | 2.85% | 3.17% | 4.01% | 4.48% | 4.04% | 3.86% | 4.05% |
% 15 year fixed refinance | 10.53% | 24.08% | 18.84% | 18.26% | 16.15% | 20.67% | 24.60% | 22.13% | 22.08% |
avg refi rate | 5.25% | 2.58% | 2.36% | 2.71% | 3.41% | 3.78% | 3.26% | 3.09% | 3.24% |
Avg credit score | 758.08 | 760.52 | 767.34 | 768.62 | 758.06 | 748.00 | 753.66 | 759.34 | 762.25 |
Avg LTV (loan to value) | 50.26% | 49.34% | 56.67% | 60.83% | 65.18% | 58.38% | 62.45% | 64.87% | 68.05% |
Avg DTI (debt to income) | 35.97 | 34.03 | 31.74 | 31.95 | 34.09 | 35.37 | 34.27 | 32.75 | 32.78 |
Avg refinance insurance % | 0.32% | 0.63% | 0.94% | 1.84% | 3.37% | 0.92% | 1.51% | 1.71% | 2.76% |
Best Refinance Brokers around Bellingham, Washington 98226
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Bellingham, Washington 98226, we have compiled a list of top refinance brokers to assist you in the process.
Brenda Bringhurst
Mortgage Loan Officer
1318 12th Street
Bellingham, WA 98226
(360) 527-9919
brenda.bringhurst@heritagebanknw.com
Kim Erchinger
Home Loan Officer
2219 Rimland Drive Suite 329
Bellingham, WA 98226
(360) 488-2698
kim.erchinger@homestreet.com
Rhonda Rose
Mortgage Loan Officer
4251 Guide Meridian Road
Bellingham, WA 98226
(704) 386-5972
rhonda.rose@bankofamerica.com
Scott Ask
Loan Consultant
2200 Rimland Drive, Suite 110
Bellingham, WA 98226
(425) 492-1711
Scott.Ask@Caliberhomeloans.com
Randy Dorn
Loan Consultant
2200 Rimland Drive, Suite 110
Bellingham, WA 98226
(425) 492-1711
Randy.Dorn@caliberhomeloans.com
Address
1318 12th Street
Bellingham, WA
Contact
(360) 527-9919
Fax (301) 639-0804
brenda.bringhurst@heritagebanknw.com
Address
2219 Rimland Drive Suite 329
Bellingham, WA
Contact
(360) 488-2698
Fax (301) 639-0804
kim.erchinger@homestreet.com
Address
4251 Guide Meridian Road
Bellingham, WA
Contact
(704) 386-5972
Fax (301) 639-0804
rhonda.rose@bankofamerica.com