Compare Today’s Mortgage Rates in Aptos, California 95001
Pureloan is dedicated to helping you secure the best mortgage rates by conducting extensive searches among mortgage lenders and major banks in Aptos, California 95001.
Our search engine thoroughly explores all home mortgage options in Aptos, California 95001, including fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, and conforming home mortgages. Based on our calculations, we estimate that for a 30-year fixed loan, you can expect to save $69,668 in lifetime cash or $194 per month in Aptos and other areas of Santa Cruz county.
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Summary of Average Mortgages in Aptos, California 95001
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Aptos, California 95001
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Aptos, CA 95001. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Aptos, California 95001 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Aptos, California and around Santa Cruz county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 97.41% | 97.08% | 97.67% | 97.89% | 97.35% | 97.20% | 96.19% | 97.33% | 95.75% |
| avg mortgage rate | 6.35% | 4.41% | 2.97% | 3.33% | 4.33% | 4.61% | 4.25% | 4.00% | 4.14% |
| % 15 year fixed mortgage | 1.29% | 2.38% | 2.07% | 1.63% | 2.21% | 2.59% | 3.62% | 2.67% | 4.07% |
| avg mortgage rate | 4.79% | 3.43% | 2.37% | 2.81% | 3.85% | 3.84% | 3.43% | 3.06% | 3.33% |
| Avg credit score | 759.59 | 769.02 | 761.45 | 772.94 | 763.81 | 751.74 | 753.53 | 753.50 | 757.90 |
| Avg LTV (loan to value) | 72.31% | 71.34% | 74.60% | 74.38% | 71.16% | 69.27% | 71.42% | 71.44% | 71.49% |
| Avg DTI (debt to income) | 41.59 | 39.51 | 37.79 | 37.35 | 38.54 | 39.18 | 37.91 | 37.66 | 37.37 |
| % First time homebuyer | 54.74% | 50.65% | 54.69% | 51.33% | 47.24% | 47.20% | 42.13% | 40.71% | 35.77% |
| Avg mortgage insurance % | 7.61% | 6.97% | 7.93% | 8.29% | 6.39% | 5.72% | 5.32% | 4.23% | 3.35% |
Best Mortgage Brokers around Aptos, California 95001
For those searching for a new home in Aptos, we have compiled a list of the top mortgage brokers located in and around Aptos, California 95001 to assist you with your search.
Name
Address
Contact
Ash Realty
9515 Soquel Dr
Aptos CA 95001
(831) 688-4748
D & A Intermediate-Term Mtg
631 Quail Run Rd
Aptos CA 95001
(831) 688-8341
Princeton Capital
7979 Soquel Dr
Aptos CA 95001
(831) 662-6591
P C Home Loans
128 Victoria Ln
Aptos CA 95001
(831) 662-0559
http://www.pchomeloans.com
Americas Home Loans
7605 Old Dominion Ct
Aptos CA 95001
(831) 662-3231
Address
9515 Soquel Dr
Aptos CA
Contact
(831) 688-4748
Address
631 Quail Run Rd
Aptos CA
Contact
(831) 688-8341
Address
7979 Soquel Dr
Aptos CA
Contact
(831) 662-6591