Compare Today’s Mortgage Rates for Rail Road Flat, California

Pureloan searches major banks and mortgage lenders finding the best mortgage rates in Rail Road Flat, California 95248. 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 $15,174 or $42 / month in Rail Road Flat and other areas of Calaveras county.

Our search engine explores all home mortgage options in Rail Road Flat, California 95248, 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 Rail Road Flat, California 95248

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 Rail Road Flat, CA 95248, 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 Rail Road Flat, California 95248 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Rail Road Flat, California and around Calaveras 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 Rail Road Flat, California 95248

If you’re looking to buy a new home in Rail Road Flat, we have compiled a list of the leading mortgage brokers around Rail Road Flat, California 95248 to help you with your search.

Name
Address
Contact

Loans For Five

617 S Lower Sacramento Rd

Lodi CA 95248

(209) 333-2474

Lodi Home Loans

1110 W Kettleman Ln

Lodi CA 95248

(209) 333-3739

Russell T Shafter

5665 N Pershing Ave

Stockton CA 95248

(209) 451-1422

Check 'n Go

980 W Robinhood Dr

Stockton CA 95248

(209) 477-4444

comments@checkngo.com

Mortgage House

7339 Pacific Ave

Stockton CA 95248

(209) 474-7111

s.kdavis@verizon.net

Address

617 S Lower Sacramento Rd

Lodi CA

Contact

(209) 333-2474

Address

1110 W Kettleman Ln

Lodi CA

Contact

(209) 333-3739

Address

5665 N Pershing Ave

Stockton CA

Contact

(209) 451-1422

News on Mortgages and Reverse Mortgages for Rail Road Flat, California 95248