Compare Today’s Mortgage Rates for Santa Barbara, California
Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Santa Barbara, California 93190. 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 $164,391 or $457 / month in Santa Barbara and surrounding areas of Santa Barbara 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 Santa Barbara, California 93190.
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Summary of Average Mortgage Terms in Santa Barbara, California 93190
Rate
APR
Expected Savings
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Total Closing Costs
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Interactive and Personalized Mortage Rates Analysis
To forecast and predict mortgage rates in Santa Barbara, CA 93190, 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 Santa Barbara, California 93190 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Santa Barbara, California and around Santa Barbara 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 Santa Barbara, California 93190
If you’re looking to buy a new home in Santa Barbara, we have compiled a list of the leading mortgage brokers around Santa Barbara, California 93190 to help you with your search.
Name
Address
Contact
Fairway Mortgage
828 Fellowship Rd
Santa Barbara CA 93190
(805) 962-4443
http://fairwaymortgagesantabarbara.com
Cindy Eyanson-Mortgage Loan
1960 Cliff Dr
Santa Barbara CA 93190
(805) 455-3452
Payless Loans
4129 State St
Santa Barbara CA 93190
(805) 683-6633
http://www.paylessloans101.com
Valley Financial
4141 State St
Santa Barbara CA 93190
(805) 737-4999
Stewart Financial
100 N Hope Ave
Santa Barbara CA 93190
(805) 687-0599
stewtfincl@aol.com
Address
828 Fellowship Rd
Santa Barbara CA
Contact
(805) 962-4443
http://fairwaymortgagesantabarbara.com
Address
1960 Cliff Dr
Santa Barbara CA
Contact
(805) 455-3452
Address
4129 State St
Santa Barbara CA
Contact
(805) 683-6633
http://www.paylessloans101.com