Compare Today’s Mortgage Rates for Santa Cruz, California

Pureloan searches mortgage lenders and major banks in Santa Cruz, California 95065 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 $140,479 or $390 / month is expected in Santa Cruz and other areas of Santa Cruz county.

Pureloan’s search engine explores all home mortgage options in Santa Cruz, California 95065, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.

No suitable program is found

Summary of Average Mortgage Terms in Santa Cruz, California 95065

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 Cruz, CA 95065, 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 Cruz, California 95065 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Santa Cruz, California and around Santa Cruz 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 Santa Cruz, California 95065

If you’re looking to buy a new home in Santa Cruz, we have compiled a list of the leading mortgage brokers around Santa Cruz, California 95065 to help you with your search.

Name
Address
Contact

Equity Freedom Financial

3540 Soquel Ave

Santa Cruz CA 95065

(831) 476-1425

First Net Mortgage

920 41st Ave

Santa Cruz CA 95065

(831) 316-0061

joanna@silveroakinc.com

Stearns Lending Llc

317 Soquel Ave

Santa Cruz CA 95065

(831) 471-1988

Security 1 Lending

316 Marnell Ave

Santa Cruz CA 95065

(831) 423-2900

Tedrowe Realty & Investments

1717 Seabright Ave

Santa Cruz CA 95065

(831) 426-9880

Address

3540 Soquel Ave

Santa Cruz CA

Contact

(831) 476-1425

Address

920 41st Ave

Santa Cruz CA

Contact

(831) 316-0061

joanna@silveroakinc.com

Address

317 Soquel Ave

Santa Cruz CA

Contact

(831) 471-1988

News on Mortgages and Reverse Mortgages for Santa Cruz, California 95065