Compare Today’s Mortgage Rates for Spreckels, California
Pureloan searches mortgage lenders and major banks in Spreckels, California 93962 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 $18,038 or $50 / month is expected in Spreckels and other areas of Monterey county.
Pureloan’s search engine explores all home mortgage options in Spreckels, California 93962, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.
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Summary of Average Mortgage Terms in Spreckels, California 93962
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 Spreckels, CA 93962, 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 Spreckels, California 93962 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Spreckels, California and around Monterey 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 Spreckels, California 93962
If you’re looking to buy a new home in Spreckels, we have compiled a list of the leading mortgage brokers around Spreckels, California 93962 to help you with your search.
Name
Address
Contact
Cash To Go
2199 H Dela Rosa Sr St
Soledad CA 93962
(831) 678-2274
http://www.getcashtogo.com
Peoples Mortgage Banc
2149 H Dela Rosa Sr St
Soledad CA 93962
(831) 678-2625
Ledesco
155 Kidder St
Soledad CA 93962
(831) 678-2741
Funding Profiles
440 N Wolfe Rd
Sunnyvale CA 93962
(408) 498-5840
Springleaf Financial Services
949 El Camino Real
South San Francisco CA 93962
(650) 952-6383
compliancehelpline@slfs.com
Address
2199 H Dela Rosa Sr St
Soledad CA
Contact
(831) 678-2274
http://www.getcashtogo.com
Address
2149 H Dela Rosa Sr St
Soledad CA
Contact
(831) 678-2625
Address
155 Kidder St
Soledad CA
Contact
(831) 678-2741