Compare Today’s Mortgage Rates for Gilroy, California

Pureloan searches major banks and mortgage lenders finding the best mortgage rates in Gilroy, California 95021. 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 $31,643 or $88 / month in Gilroy and other areas of Santa Clara county.

Our search engine explores all home mortgage options in Gilroy, California 95021, 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 Gilroy, California 95021

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 Gilroy, CA 95021, 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 Gilroy, California 95021 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Gilroy, California and around Santa Clara 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 Gilroy, California 95021

If you’re looking to buy a new home in Gilroy, we have compiled a list of the leading mortgage brokers around Gilroy, California 95021 to help you with your search.

Name
Address
Contact

Beneficial California

8021 Kern Ave

Gilroy CA 95021

(408) 842-3157

Community Loans Of America-1809Gilroy - Ca180

8395 Forest St

Gilroy CA 95021

(408) 767-2227

Jeff Chilman Annuities

8070 Santa Teresa Blvd

Gilroy CA 95021

(408) 848-0931

Executive Notary Service

2025 Mantelli Dr

Gilroy CA 95021

(408) 375-3064

Monterey Mortgage

320 1st St

Gilroy CA 95021

(408) 842-3557

ckmiller@ix.netcom.com

Address

8021 Kern Ave

Gilroy CA

Contact

(408) 842-3157

Address

8395 Forest St

Gilroy CA

Contact

(408) 767-2227

Address

8070 Santa Teresa Blvd

Gilroy CA

Contact

(408) 848-0931

News on Mortgages and Reverse Mortgages for Gilroy, California 95021