Compare Today’s Mortgage Rates in Watsonville, California 95076
Pureloan is dedicated to helping you secure the best mortgage rates by conducting extensive searches among mortgage lenders and major banks in Watsonville, California 95076.
Our search engine thoroughly explores all home mortgage options in Watsonville, California 95076, including fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, and conforming home mortgages. Based on our calculations, we estimate that for a 30-year fixed loan, you can expect to save $22,847 in lifetime cash or $63 per month in Watsonville and other areas of Santa Cruz county.
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Summary of Average Mortgages in Watsonville, California 95076
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Watsonville, California 95076
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Watsonville, CA 95076. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Watsonville, California 95076 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Watsonville, California and around Santa Cruz county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 97.41% | 97.08% | 97.67% | 97.89% | 97.35% | 97.20% | 96.19% | 97.33% | 95.75% |
| avg mortgage rate | 6.35% | 4.41% | 2.97% | 3.33% | 4.33% | 4.61% | 4.25% | 4.00% | 4.14% |
| % 15 year fixed mortgage | 1.29% | 2.38% | 2.07% | 1.63% | 2.21% | 2.59% | 3.62% | 2.67% | 4.07% |
| avg mortgage rate | 4.79% | 3.43% | 2.37% | 2.81% | 3.85% | 3.84% | 3.43% | 3.06% | 3.33% |
| Avg credit score | 759.59 | 769.02 | 761.45 | 772.94 | 763.81 | 751.74 | 753.53 | 753.50 | 757.90 |
| Avg LTV (loan to value) | 72.31% | 71.34% | 74.60% | 74.38% | 71.16% | 69.27% | 71.42% | 71.44% | 71.49% |
| Avg DTI (debt to income) | 41.59 | 39.51 | 37.79 | 37.35 | 38.54 | 39.18 | 37.91 | 37.66 | 37.37 |
| % First time homebuyer | 54.74% | 50.65% | 54.69% | 51.33% | 47.24% | 47.20% | 42.13% | 40.71% | 35.77% |
| Avg mortgage insurance % | 7.61% | 6.97% | 7.93% | 8.29% | 6.39% | 5.72% | 5.32% | 4.23% | 3.35% |
Best Mortgage Brokers around Watsonville, California 95076
For those searching for a new home in Watsonville, we have compiled a list of the top mortgage brokers located in and around Watsonville, California 95076 to assist you with your search.
Name
Address
Contact
American General Financial Svc
1919 Main St
Watsonville CA 95076
(831) 722-7161
http://www.loansfast.com
Tripoint Mortgage
540 Main St
Watsonville CA 95076
(831) 288-0401
Tri-City Real Estate
1946 Main St
Watsonville CA 95076
(831) 728-8822
Sunrise Bay Mortgage
538 Main St
Watsonville CA 95076
(831) 722-6250
http://erasunriserealty.com
Global Estates & Mortgage
116 Martinelli St
Watsonville CA 95076
(831) 724-6044
Address
1919 Main St
Watsonville CA
Contact
(831) 722-7161
http://www.loansfast.com
Address
540 Main St
Watsonville CA
Contact
(831) 288-0401
Address
1946 Main St
Watsonville CA
Contact
(831) 728-8822