Compare Today’s Mortgage Rates for Santa Ynez, California

Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Santa Ynez, California 93460. 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 $149,446 or $415 / month in Santa Ynez 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 Ynez, California 93460.

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Summary of Average Mortgage Terms in Santa Ynez, California 93460

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 Ynez, CA 93460, 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 Ynez, California 93460 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Santa Ynez, 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 Ynez, California 93460

If you’re looking to buy a new home in Santa Ynez, we have compiled a list of the leading mortgage brokers around Santa Ynez, California 93460 to help you with your search.

Name
Address
Contact

Wells Fargo Home Mortgage

1090 Edison St

Santa Ynez CA 93460

(805) 688-4351

http://www.wellsfargo.com/mortgage/

Kristina Novak

3640 Sagunto St

Santa Ynez CA 93460

(805) 688-9685

http://www.kristinanovak.com/

Rene Martinez

1607 Mission Dr

Solvang CA 93460

(805) 688-8026

Jenmar 3

485 Alisal Rd

Solvang CA 93460

(805) 691-9334

Residential Mortgage Corporation

1603 Copenhagen Dr

Solvang CA 93460

(805) 686-2321

info@reloans.com

Address

1090 Edison St

Santa Ynez CA

Contact

(805) 688-4351

http://www.wellsfargo.com/mortgage/

Address

3640 Sagunto St

Santa Ynez CA

Contact

(805) 688-9685

http://www.kristinanovak.com/

Address

1607 Mission Dr

Solvang CA

Contact

(805) 688-8026

News on Mortgages and Reverse Mortgages for Santa Ynez, California 93460