Compare Today’s Mortgage Rates for Carmel, California
Pureloan searches major banks and mortgage lenders finding the best mortgage rates in Carmel, California 93923. Pureloan also provides a listing of the best mortgage brokers in your area and a detailed analysis of your future home loan payments. For a 30-year fixed loan, you may expect to have lifetime cash savings of $149,446 or $415 / month in Carmel and other areas of Monterey county.
Our search engine explores all home mortgage options in Carmel, California 93923, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.
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Summary of Average Mortgage Terms in Carmel, California 93923
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive and Personalized Mortage Rates Analysis
To forecast and predict mortgage rates in Carmel, CA 93923, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.
Historical Mortgage Rates for Carmel, California 93923 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Carmel, California and around Monterey county to help you understand trends for your home purchase process. This data is produced from actual closed loans.
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 96.12% | 95.05% | 94.55% | 95.48% | 96.48% | 96.79% | 97.64% | 97.89% |
| avg mortgage rate | 4.98% | 4.72% | 3.97% | 4.03% | 4.49% | 4.14% | 3.98% | 4.21% |
| % 15 year fixed mortgage | 3.40% | 3.82% | 4.62% | 4.01% | 3.35% | 2.74% | 2.16% | 1.93% |
| avg mortgage rate | 4.38% | 3.96% | 3.29% | 3.08% | 3.43% | 3.43% | 3.16% | 3.42% |
| Avg credit score | 762.68 | 765.35 | 763.51 | 761.72 | 755.79 | 756.12 | 753.86 | 754.82 |
| Avg LTV (loan to value) | 72.46% | 74.01% | 75.66% | 74.81% | 76.21% | 74.93% | 75.66% | 76.79% |
| Avg DTI (debt to income) | 36.99 | 36.23 | 35.89 | 36.49 | 37.91 | 38.11 | 38.10 | 39.10 |
| % First time homebuyer | 42.11% | 34.94% | 28.39% | 32.68% | 37.20% | 35.03% | 35.07% | 37.54% |
| Avg mortgage insurance % | 2.36% | 2.77% | 4.25% | 5.08% | 6.89% | 6.04% | 7.36% | 8.04% |
Data produced from the Financial Report of the US Government
Best Mortgage Brokers Around Carmel, California 93923
If you’re looking to buy a new home in Carmel, we have compiled a list of the leading mortgage brokers around Carmel, California 93923 to help you with your search.
Name
Address
Contact
Carmel Mortgage
200 Clock Tower Pl
Carmel CA 93923
(831) 625-3939
http://www.carmel-mortgage.com
Carmel Capital Resources
200 Clock Tower Pl
Carmel CA 93923
(831) 624-1800
Verga Tom
26044 Rio Vista Dr
Carmel CA 93923
(831) 622-9255
Mortgage Station
26607 Carmel Center Pl
Carmel CA 93923
(831) 624-0887
mdavid@aol.com
Stone Castle Land and Home Financial
3855 Via Nona Marie
Carmel CA 93923
(831) 622-5200
http://www.stonecastle-lhf.com/
Address
200 Clock Tower Pl
Carmel CA
Contact
(831) 625-3939
http://www.carmel-mortgage.com
Address
200 Clock Tower Pl
Carmel CA
Contact
(831) 624-1800
Address
26044 Rio Vista Dr
Carmel CA
Contact
(831) 622-9255