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.

No suitable program is found

Summary of Average Mortgage Terms in Encinitas, California 92024

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


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

News on Mortgages and Reverse Mortgages for Encinitas, California 92024