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Mortgage Rates

If you own a home – a mortgage refinance is likely going to be the lowest cost way for you to reduce the burden of high-interest debt by paying off those debts – whether in the form of credit cards, personal loans, medical bills or past-due taxes – regardless of your credit score!  If your goal is to lower your monthly mortgage payment by lowering your interest rate – we’ve got you covered for that too!

Average Mortgage Refinance Rates

Credit Score

30 Year Fixed
Rate

15 Year Fixed
Rate

5/1 Adjustable
Rate

Excellent (720-850)

4.5%

4.0%

3.9%

Good (620-719)

5.1%

4.6%

4.5%

Fair (580-619)

5.6%

5.2%

NA

Needs Improvement (540-579)

6.2%

5.8%

NA

Poor (300-539)

6.7%

6.2%

NA

Personal Loan and Debt Consolidation Rates

If you don’t own a home – a personal loan, a debt consolidation loan or assistance from a debt settlement firm will get out from under the burden of high-interest debt – again regardless of your credit score!  Starting to see a trend here?

Average Personal Loan APRs

Credit Score

Personal Loan
APRs

Excellent (720-850)

10.3% – 12.5%

Good (620-719)

13.5% – 19.9%

Fair (580-619)

20.9% – 28.9%

Needs Improvement (540-579)

29.9% – 34.9%

Poor (300-539)

35.9% – 99.9%

Average Debt
Consolidation Loan APRs

Credit Score

Debt
Consolidation APRs

Excellent (720-850)

4.9% – 12.5%

Good (620-719)

6.9% – 19.9%

Fair (580-619)

8.0% – 28.9%

Needs Improvement (540-579)

16.0% – 34.9%

Poor (300-539)

22.9% – 99.9%

Debt Settlement Terms

Debt settlement providers charge success fees to negotiate reductions in your outstanding debts (credit cards, personal loans, medical bills, etc.), but are not allowed to charge up front fees.  Those success fees range from a percentage of how much they save you (15% of the 30-60% reduction in your outstanding debt) to a flat percentage of how many accounts they attempt to negotiate on your behalf (20%-25% of the $30,000 in debt they potentially reduce to $15,000).  The percentage of savings model aligns their interests with you to negotiate the best deal they can for you.

Average Debt Settlement Terms

Lowest Fee

15% of debt savings

Typical Fee

20% of enrolled accounts

Highest Fee

25% of enrolled accounts

Student Loan and Auto Refinance Rates

If you want to lower your monthly payment on your student loans or reduce your monthly car loan payment, we can help you refinance those too!  Auto refinance loans, new student loans and federal student loan refinance programs don’t have minimum credit score requirements.

Average Student Loan Rates

Loan Type

Student Loan
Rates

Federal Direct Loan – Undergraduate

4.5%

Federal Direct Loan – Graduate

6.0%

Federal Direct PLUS Loan – Graduate or Parents

7.00%

Fixed Rate Private Loan

4.0% – 14.0%

Variable Rate Private Loan

3.0% – 13.0%

Private Loan Refinancing

2.6% – 8.2%

Average Auto Loan
Refinance Rates

Credit Score

36 Months

48 Months

60 Months

72 Months

Excellent (720-850)

2.8%

3.0%

3.6%

3.3%

Good (620-719)

3.7%

4.0%

4.6%

3.9%

Fair (580-619)

7.0%

7.3%

8.0%

7.2%

Needs Improvement (540-579)

9.8%

10.4%

11.4%

10.1%

Poor (300-539)

13.1%

13.9%

14.8%

13.7%

Home and Auto Purchase Rates

There are programs for everyone regardless of credit score or ability to save enough for a down payment.  If you have a source of income, we can find you a loan.

Average Purchase
Mortgage Rates

Credit Score

30 Year Fixed

15 Year Fixed

5/1 Adjustable
Rate

Excellent (720-850)

4.6%

4.1%

4.0%

Good (620-719)

5.2%

4.7%

4.6%

Fair (580-619)

5.7%

5.3%

NA

Needs Improvement (540-579)

6.3%

5.9%

NA

Poor (300-539)

6.8%

6.3%

NA

Average Auto
Purchase Loan Rates

Credit Score

36 Months

48 Months

60 Months

72 Months

Excellent (720-850)

3.7%

3.8%

3.9%

3.8%

Good (620-719)

4.5%

4.7%

4.9%

4.6%

Fair (580-619)

7.8%

8.0%

8.4%

7.9%

Needs Improvement (540-579)

10.6%

11.2%

11.8%

10.9%

Poor (300-539)

13.9%

14.7%

15.2%

14.2%

Small Business Loan Rates

If you’re a small business owner and are in need of growth capital, working capital, accounts receivable factoring lines or a general line of credit to expand your business, we can help you find customized loan solutions for almost any situation.

Average Small Business Loan Rates

Loan Product

Average APRs

Bank Loans

4.3% – 13.0%

Lines of Credit

5.2% – 80.0%

SBA 7(a) Loans

5.8% – 9.0%

Online Term Loans

7.4% – 99.7%

Merchant Cash Advances

12.0% – 200.0%

Invoice (AR) Factoring

13.0% – 60.0%

What now?

Whether online or over the phone, we have developed technology that will analyze your financial situation and provide you with a number of options in 2-5 minutes, all free of charge and without providing us with your Social Security number!