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
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Interactive and Personalized Mortage Rates Analysis
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