Compare Today’s Mortgage Rates for Modesto, California

Pureloan searches all major banks and mortgage lenders for the best home loan rates in Modesto, California 95397. We provide popular mortgage brokers in your area and a detailed analysis of your home loan payments. For 30-year fixed, expected lifetime cash savings are $40,344 or $112 / month in Modesto and surrounding areas of Stanislaus county.

Our search engine explores all possible home mortgage options including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages for Modesto, California 95397.

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Summary of Average Mortgage Terms in Modesto, California 95397

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Historical Mortgage Rates for Modesto, California 95397 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Modesto, California and around Stanislaus county to help you understand trends for your home purchase process. This data is produced from actual closed loans.

2012 2013 2014 2015 2016 2017 2018 2019
% 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%
% 10 year fixed mortgage 0.09% 0.10% 0.09%
avg mortgage rate 3.38% 3.13% 3.00%
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 Combined LTV (loan to value) 70.71% 71.75% 74.17% 73.23% 73.26% 72.68% 73.02% 73.51%
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 Modesto, California 95397

If you’re looking to buy a new home in Modesto, we have compiled a list of the leading mortgage brokers around Modesto, California 95397 to help you with your search.

Name
Address
Contact

Rural Community Assistance

7201 Dusty Ln

Modesto CA 95397

(209) 576-0430

http://www.rcac.org/

All-American Mortgage

3540 Oakdale Rd

Modesto CA 95397

(209) 579-3600

http://www.aamort.com

Valley Wide Financial Services

3520 Oakdale Rd

Modesto CA 95397

(209) 551-6005

bob@valleywidefinancial.com

Commerce Mortgage

3540 Oakdale Rd

Modesto CA 95397

(209) 579-3600

http://commercemtg.com

City First Mortgage Service

1581 Cummins Dr

Modesto CA 95397

(209) 341-1656

Address

7201 Dusty Ln

Modesto CA

Contact

(209) 576-0430

http://www.rcac.org/

Address

3540 Oakdale Rd

Modesto CA

Contact

(209) 579-3600

http://www.aamort.com

Address

3520 Oakdale Rd

Modesto CA

Contact

(209) 551-6005

bob@valleywidefinancial.com

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