Compare Today’s Mortgage Rates for Vernalis, California
Pureloan searches mortgage lenders and major banks in Vernalis, California 95385 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 $118,062 or $328 / month is expected in Vernalis and other areas of San Joaquin county.
Pureloan’s search engine explores all home mortgage options in Vernalis, California 95385, 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 Vernalis, California 95385
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 Vernalis, CA 95385, 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 Vernalis, California 95385 from 2012 - 2019
We have compiled mortgage rate charts for home loans in Vernalis, California and around San Joaquin 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 Vernalis, California 95385
If you’re looking to buy a new home in Vernalis, we have compiled a list of the leading mortgage brokers around Vernalis, California 95385 to help you with your search.
Name
Address
Contact
Nationwide Home Mortgage & Real Estate
105 Orchard Rd
Vernalis CA 95385
(209) 834-0404
LMC Mortgage
1112 Morgan St
Santa Rosa CA 95385
(707) 578-3004
Professional Mortgage Service
3333 Mendocino Ave
Santa Rosa CA 95385
(707) 525-9910
Nationstar Mortgage
3558 Round Barn Blvd
Santa Rosa CA 95385
(707) 543-0905
http://www.nationstarmtg.com/
Frost Mortgage Lending Group
648 Larkfield Ctr
Santa Rosa CA 95385
(707) 331-1395
http://www.frostnorthbay.com/
Address
105 Orchard Rd
Vernalis CA
Contact
(209) 834-0404
Address
1112 Morgan St
Santa Rosa CA
Contact
(707) 578-3004
Address
3333 Mendocino Ave
Santa Rosa CA
Contact
(707) 525-9910