Compare Today’s Mortgage Rates for Freedom, California
Pureloan searches mortgage lenders and major banks in Freedom, California 95019 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 $24,487 or $68 / month is expected in Freedom and other areas of Santa Cruz county.
Pureloan’s search engine explores all home mortgage options in Freedom, California 95019, 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 Freedom, California 95019


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Interactive and Personalized Mortage Rates Analysis
To forecast and predict mortgage rates in Freedom, CA 95019, 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 Freedom, California 95019 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Freedom, California and around Santa Cruz 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 | 95.04% | 94.18% | 94.66% | 95.12% | 95.94% | 95.61% | 97.29% | 94.51% |
avg mortgage rate | 4.96% | 4.71% | 3.96% | 4.01% | 4.48% | 4.15% | 4.00% | 4.22% |
% 15 year fixed mortgage | 4.17% | 5.08% | 4.76% | 4.68% | 3.78% | 4.21% | 2.71% | 5.24% |
avg mortgage rate | 4.38% | 3.87% | 3.26% | 3.14% | 3.45% | 3.33% | 3.06% | 3.48% |
Avg credit score | 765.46 | 766.53 | 767.45 | 760.49 | 756.42 | 757.49 | 753.09 | 751.38 |
Avg LTV (loan to value) | 69.93% | 71.17% | 73.45% | 72.22% | 72.29% | 71.28% | 71.40% | 71.77% |
Avg DTI (debt to income) | 36.74 | 35.95 | 34.75 | 36.22 | 37.05 | 37.50 | 37.63 | 37.80 |
% First time homebuyer | 45.35% | 40.48% | 38.00% | 37.07% | 37.02% | 35.72% | 40.68% | 43.14% |
Avg mortgage insurance % | 1.24% | 2.11% | 3.46% | 3.65% | 4.27% | 3.36% | 4.29% | 5.48% |
Data produced from the Financial Report of the US Government
Best Mortgage Brokers Around Freedom, California 95019
If you’re looking to buy a new home in Freedom, we have compiled a list of the leading mortgage brokers around Freedom, California 95019 to help you with your search.
Lewis Bill-Lewis Real Estate & Financial
29 Lone Pine Ave
Freedom CA 95019
(831) 429-9200
http://www.lewisfinancialwest.net/
Ace Cash Express
2006 Freedom Blvd
Freedom CA 95019
(831) 761-9874
customerservice@acecashexpress.com
Miller Kent
320 1st St
Gilroy CA 95019
(408) 842-3557
American General Financial Svc
6915 Camino Arroyo
Gilroy CA 95019
(408) 848-1192
http://www.loansfast.com
Santa Barbara Bank & Trust
8000 Santa Teresa Blvd
Gilroy CA 95019
(408) 848-2161
https://www.sbbt.com/personal-home.php
Address
29 Lone Pine Ave
Freedom CA
Contact
(831) 429-9200
http://www.lewisfinancialwest.net/
Address
2006 Freedom Blvd
Freedom CA
Contact
(831) 761-9874
customerservice@acecashexpress.com
Address
320 1st St
Gilroy CA
Contact
(408) 842-3557