Compare Today’s Mortgage Rates for San Jose, California

Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in San Jose, California 95196. 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 $24,917 or $69 / month in San Jose and surrounding areas of San Joaquin 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 San Jose, California 95196.

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Summary of Average Mortgage Terms in San Jose, California 95196

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 San Jose, CA 95196, 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 San Jose, California 95196 from 2012 - 2019

We have compiled mortgage rate charts for home loans in San Jose, California and around San Joaquin 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 San Jose, California 95196

If you’re looking to buy a new home in San Jose, we have compiled a list of the leading mortgage brokers around San Jose, California 95196 to help you with your search.

Name
Address
Contact

Liberty Bell Mortgage

2670 S White Rd

San Jose CA 95196

(408) 238-2448

C2 Financial Corporation - Shawn Sidhu

2880 Zanker Rd

San Jose CA 95196

(800) 984-0886

http://www.bma-loans.com

The Mortgage Place

2674 N 1st St

San Jose CA 95196

(408) 518-8188

American Mutual

2833 Junction Ave

San Jose CA 95196

(408) 750-3600

Central Mortgage

2635 N 1st St

San Jose CA 95196

(408) 944-9844

Address

2670 S White Rd

San Jose CA

Contact

(408) 238-2448

Address

2880 Zanker Rd

San Jose CA

Contact

(800) 984-0886

http://www.bma-loans.com

Address

2674 N 1st St

San Jose CA

Contact

(408) 518-8188

News on Mortgages and Reverse Mortgages for San Jose, California 95196