Compare Today’s Mortgage Rates in Encinitas, California 92024
Pureloan is a mortgage search engine that finds the best mortgage rates from top mortgage lenders and major banks in Encinitas, California 92024.
After exploring all the mortgage options such as fixed-rate, ARM, FHA, VA, USDA, conventional, jumbo, and conforming home mortgages, our calculations show you can save up to $80,669 over the lifetime of your 30-year fixed loan, or a monthly savings of $224 in Encinitas and other areas of San Diego county. Pureloan is designed to help you find the right mortgage for your financial situation with the most competitive rates available.
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Summary of Average Mortgages in Encinitas, California 92024
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Encinitas, California 92024
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Encinitas, CA 92024. 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 Encinitas, California 92024 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Encinitas, California and around San Diego 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 | 97.73% | 97.72% | 97.96% | 97.25% | 96.99% | 96.45% | 96.68% | 96.83% | 96.42% |
avg mortgage rate | 6.35% | 4.36% | 2.96% | 3.34% | 4.30% | 4.60% | 4.24% | 3.95% | 4.13% |
% 15 year fixed mortgage | 2.02% | 1.96% | 1.60% | 1.86% | 2.46% | 2.91% | 2.75% | 2.78% | 2.98% |
avg mortgage rate | 5.49% | 3.61% | 2.32% | 2.88% | 3.73% | 3.91% | 3.36% | 3.14% | 3.27% |
Avg credit score | 760.51 | 767.34 | 767.78 | 765.33 | 758.14 | 758.64 | 755.41 | 754.50 | 758.06 |
Avg LTV (loan to value) | 75.06% | 75.92% | 77.60% | 77.25% | 75.86% | 73.77% | 74.95% | 75.79% | 74.60% |
Avg DTI (debt to income) | 41.21 | 39.91 | 38.26 | 38.05 | 39.43 | 39.29 | 38.43 | 38.37 | 37.52 |
% First time homebuyer | 54.80% | 48.40% | 46.38% | 45.47% | 45.44% | 38.39% | 35.12% | 36.62% | 31.32% |
Avg mortgage insurance % | 10.14% | 9.38% | 9.64% | 9.91% | 9.12% | 7.07% | 6.74% | 7.56% | 6.15% |
Best Mortgage Brokers around Encinitas, California 92024
For those searching for a new home in Encinitas, we have compiled a list of the top mortgage brokers located in and around Encinitas, California 92024 to assist you with your search.
Name
Address
Contact
Fieldstone Mortgage Co.
322 Encinitas Blvd
Encinitas CA 92024
(760) 942-5460
jhagan@fmcmortgage.com
Paradise Homes
823 Starflower Rd
Encinitas CA 92024
(760) 634-1165
http://paradisehomes.com
Leff Tom
149 Avocado St
Encinitas CA 92024
(760) 753-5603
US Loans
149 Avocado St
Encinitas CA 92024
(760) 753-5603
David Baxter
131 N El Camino Real
Encinitas CA 92024
(760) 632-3637
Address
322 Encinitas Blvd
Encinitas CA
Contact
(760) 942-5460
jhagan@fmcmortgage.com
Address
823 Starflower Rd
Encinitas CA
Contact
(760) 634-1165
http://paradisehomes.com
Address
149 Avocado St
Encinitas CA
Contact
(760) 753-5603