Compare Today’s Mortgage Rates for Encinitas, California
Pureloan searches mortgage lenders and major banks in Encinitas, California 92024 finding the best mortgage rates. We also provide a list of the best mortgage brokers in your area and an analysis of your future home loan payments. For a 30-year fixed loan, lifetime cash savings of $164,391 or $457 / month is expected in Encinitas and other areas of San Diego county.
Pureloan’s search engine explores all home mortgage options in Encinitas, California 92024, 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 Encinitas, California 92024
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 Encinitas, CA 92024, 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 Encinitas, California 92024 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Encinitas, California and around San Diego 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 | 96.21% | 94.86% | 93.52% | 96.02% | 96.01% | 96.31% | 96.82% | 96.77% |
| avg mortgage rate | 4.96% | 4.70% | 3.94% | 4.03% | 4.48% | 4.14% | 3.95% | 4.21% |
| % 15 year fixed mortgage | 3.34% | 4.00% | 5.51% | 3.62% | 3.59% | 3.07% | 2.80% | 2.77% |
| avg mortgage rate | 4.35% | 3.95% | 3.26% | 3.20% | 3.51% | 3.28% | 3.14% | 3.34% |
| Avg credit score | 764.75 | 766.40 | 766.21 | 760.01 | 755.53 | 757.44 | 754.41 | 756.90 |
| Avg LTV (loan to value) | 71.55% | 72.38% | 73.05% | 75.30% | 75.57% | 74.95% | 75.79% | 74.44% |
| Avg DTI (debt to income) | 36.90 | 36.18 | 36.13 | 36.80 | 37.62 | 37.51 | 38.39 | 38.67 |
| % First time homebuyer | 34.60% | 26.71% | 24.13% | 28.74% | 31.91% | 31.37% | 36.61% | 34.69% |
| Avg mortgage insurance % | 1.87% | 2.23% | 3.67% | 5.97% | 6.76% | 6.51% | 7.59% | 6.56% |
Data produced from the Financial Report of the US Government
Best Mortgage Brokers Around Encinitas, California 92024
If you’re looking to buy a new home in Encinitas, we have compiled a list of the leading mortgage brokers around Encinitas, California 92024 to help 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