Compare Today’s Mortgage Rates for Ridgecrest, California

Pureloan searches mortgage lenders and major banks in Ridgecrest, California 93556 finding the best mortgage rates. We also provide a list of the best mortgage brokers in your area and an analysis of your future home loan payments. For a 30-year fixed loan, lifetime cash savings of $6,685 or $19 / month is expected in Ridgecrest and other areas of Kern county.

Pureloan’s search engine explores all home mortgage options in Ridgecrest, California 93556, 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 Ridgecrest, California 93556

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 Ridgecrest, CA 93556, 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 Ridgecrest, California 93556 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Ridgecrest, California and around Kern 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 96.12% 95.05% 94.55% 95.48% 96.48% 96.79% 97.64% 97.89%
avg mortgage rate 4.98% 4.72% 3.97% 4.03% 4.49% 4.14% 3.98% 4.21%
% 15 year fixed mortgage 3.40% 3.82% 4.62% 4.01% 3.35% 2.74% 2.16% 1.93%
avg mortgage rate 4.38% 3.96% 3.29% 3.08% 3.43% 3.43% 3.16% 3.42%
Avg credit score 762.68 765.35 763.51 761.72 755.79 756.12 753.86 754.82
Avg LTV (loan to value) 72.46% 74.01% 75.66% 74.81% 76.21% 74.93% 75.66% 76.79%
Avg DTI (debt to income) 36.99 36.23 35.89 36.49 37.91 38.11 38.10 39.10
% First time homebuyer 42.11% 34.94% 28.39% 32.68% 37.20% 35.03% 35.07% 37.54%
Avg mortgage insurance % 2.36% 2.77% 4.25% 5.08% 6.89% 6.04% 7.36% 8.04%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Ridgecrest, California 93556

If you’re looking to buy a new home in Ridgecrest, we have compiled a list of the leading mortgage brokers around Ridgecrest, California 93556 to help you with your search.

Name
Address
Contact

Cushing Lending & Realty

1615 N Downs St

Ridgecrest CA 93556

(760) 375-7700

Wander Home Loans

130 S China Lake Blvd

Ridgecrest CA 93556

(760) 384-4050

http://www.redballoonrealty.com

Shaffer Mortgage

139 Balsam St

Ridgecrest CA 93556

(760) 371-2459

Allied Cash Advance

860 N China Lake Blvd

Ridgecrest CA 93556

(760) 375-4275

customerservice@alliedcash.com

Guild Mortgage Company

901 N Heritage Dr

Ridgecrest CA 93556

(760) 446-7895

webmaster@guildmortgage.net

Address

1615 N Downs St

Ridgecrest CA

Contact

(760) 375-7700

Address

130 S China Lake Blvd

Ridgecrest CA

Contact

(760) 384-4050

http://www.redballoonrealty.com

Address

139 Balsam St

Ridgecrest CA

Contact

(760) 371-2459

News on Mortgages and Reverse Mortgages for Ridgecrest, California 93556