Compare Today’s Mortgage Rates for Rancho Santa Margarita, California

Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Rancho Santa Margarita, California 92688. Pureloan also provides a report on popular mortgage brokers in your area and a detailed analysis of your home loan payments. For a 30-year fixed loan, expected lifetime cash savings are $28,783 or $80 / month in Rancho Santa Margarita and surrounding areas of Orange 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 Rancho Santa Margarita, California 92688.

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Summary of Average Mortgage Terms in Rancho Santa Margarita, California 92688

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 Rancho Santa Margarita, CA 92688, 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 Rancho Santa Margarita, California 92688 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Rancho Santa Margarita, California and around Orange 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 96.21% 94.86% 93.52% 96.02% 96.01% 96.31% 96.82% 96.77%
avg mortgage rate 4.96% 4.70% 3.94% 4.03% 4.48% 4.14% 3.95% 4.21%
% 15 year fixed mortgage 3.34% 4.00% 5.51% 3.62% 3.59% 3.07% 2.80% 2.77%
avg mortgage rate 4.35% 3.95% 3.26% 3.20% 3.51% 3.28% 3.14% 3.34%
Avg credit score 764.75 766.40 766.21 760.01 755.53 757.44 754.41 756.90
Avg LTV (loan to value) 71.55% 72.38% 73.05% 75.30% 75.57% 74.95% 75.79% 74.44%
Avg DTI (debt to income) 36.90 36.18 36.13 36.80 37.62 37.51 38.39 38.67
% First time homebuyer 34.60% 26.71% 24.13% 28.74% 31.91% 31.37% 36.61% 34.69%
Avg mortgage insurance % 1.87% 2.23% 3.67% 5.97% 6.76% 6.51% 7.59% 6.56%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Rancho Santa Margarita, California 92688

If you’re looking to buy a new home in Rancho Santa Margarita, we have compiled a list of the leading mortgage brokers around Rancho Santa Margarita, California 92688 to help you with your search.

Name
Address
Contact

Casa De Laguna

29881 Aventura

Rancho Santa Margarita CA 92688

(949) 888-3410

Quality First Lending

28562 Oso Pkwy

Rancho Santa Margarita CA 92688

(949) 462-4417

Traditional Lending Service

22431 Antonio Pkwy

Rancho Santa Margarita CA 92688

(949) 713-7113

California Mortgage Center

7 Via Berrendo

Rancho Santa Margarita CA 92688

(949) 709-2825

Mortgage Angel

52 Seacountry Ln

Rancho Santa Margarita CA 92688

(949) 709-8477

http://mortgageangel.com

Address

29881 Aventura

Rancho Santa Margarita CA

Contact

(949) 888-3410

Address

28562 Oso Pkwy

Rancho Santa Margarita CA

Contact

(949) 462-4417

Address

22431 Antonio Pkwy

Rancho Santa Margarita CA

Contact

(949) 713-7113

News on Mortgages and Reverse Mortgages for Rancho Santa Margarita, California 92688