Compare Today’s Mortgage Rates for Saratoga, California
Pureloan searches major banks and mortgage lenders all over the nation for the best home loan rates in Saratoga, California 95071. 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 $403,504 or $1,121 / month in Saratoga and surrounding areas of Santa Clara 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 Saratoga, California 95071.
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Summary of Average Mortgage Terms in Saratoga, California 95071
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive and Personalized Mortage Rates Analysis
To forecast and predict mortgage rates in Saratoga, CA 95071, 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 Saratoga, California 95071 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Saratoga, California and around Santa Clara 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 Saratoga, California 95071
If you’re looking to buy a new home in Saratoga, we have compiled a list of the leading mortgage brokers around Saratoga, California 95071 to help you with your search.
Name
Address
Contact
Countrywide Home Loans
12180 Saratoga Sunnyvale Rd
Saratoga CA 95071
(408) 867-2573
http://www.countrywide.com
Wells Fargo Home Mortgage
14375 Saratoga Ave
Saratoga CA 95071
(408) 868-0501
http://www.wellsfargo.com/mortgage/
Silicon Valley Mortgage
14375 Saratoga Ave
Saratoga CA 95071
(408) 260-5900
Gold House Realty and Mortgages
18488 Prospect Rd
Saratoga CA 95071
(408) 865-1398
Northwestern Home Loan
12820 Saratoga Sunnyvale Rd
Saratoga CA 95071
(408) 741-1222
Address
12180 Saratoga Sunnyvale Rd
Saratoga CA
Contact
(408) 867-2573
http://www.countrywide.com
Address
14375 Saratoga Ave
Saratoga CA
Contact
(408) 868-0501
http://www.wellsfargo.com/mortgage/
Address
14375 Saratoga Ave
Saratoga CA
Contact
(408) 260-5900