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

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


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

News on Mortgages and Reverse Mortgages for Santa Barbara, California 93190