Compare Today’s Refinance Rates for Atwater, California 95301
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Atwater, California 95301.
With a 30-year amortization refinance in Atwater and surrounding areas of Merced county, our calculations show that you can expect to save up to $5,034 over the lifetime of your mortgage, or a monthly savings of $14. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Atwater, California 95301.
Summary of Average Refinances in Atwater, California 95301
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Interactive Refinance Rate Projections for Atwater, California 95301
Pureloan has developed an interactive chart to monitor the five largest local lenders in Atwater, CA 95301, for refinancing and cash-out. The chart features historical rates, which are based on completed refinancings, and projections, which are based on proprietary modeling.
Historical Refinance Rates in Atwater, California 95301 from 2024 - 2016
The following historical data provides insights into refinancing trends in Atwater, California and the surrounding Merced county, based on factors such as loan type, credit score, LTV, and other parameters. This data is derived from actual closed home refinancings.
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
---|---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 77.27% | 67.41% | 73.98% | 75.29% | 80.85% | 70.40% | 67.08% | 72.34% | 77.67% |
avg refi rate | 6.34% | 3.35% | 2.83% | 3.14% | 4.01% | 4.46% | 4.04% | 3.82% | 4.00% |
% 15 year fixed refinance | 4.55% | 20.99% | 17.80% | 17.83% | 13.51% | 22.39% | 24.32% | 22.23% | 18.01% |
avg refi rate | 5.25% | 2.53% | 2.32% | 2.66% | 3.42% | 3.70% | 3.29% | 3.03% | 3.20% |
Avg credit score | 763.64 | 757.82 | 770.45 | 773.37 | 761.05 | 753.00 | 756.99 | 762.85 | 763.00 |
Avg LTV (loan to value) | 38.55% | 43.72% | 50.34% | 52.10% | 55.29% | 48.29% | 49.72% | 51.56% | 57.21% |
Avg DTI (debt to income) | 39.36 | 36.49 | 33.22 | 32.81 | 35.51 | 36.07 | 36.10 | 34.28 | 34.40 |
Avg refinance insurance % | 0.55% | 0.22% | 0.58% | 0.85% | 1.81% | 0.71% | 0.64% | 0.53% | 0.71% |
Best Refinance Brokers around Atwater, California 95301
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Atwater, California 95301, we have compiled a list of top refinance brokers to assist you in the process.
Alison Hague
Loan Officer
1861 Bellevue Road
Atwater , CA 95301
(209) 357-7438
Alison.Hague@rabobank.com
Kristy Borba
Loan Officer
1861 Bellevue Road
Atwater , CA 95301
(209) 357-7438
Kristy.Borba@rabobank.com
Charles Sterni
Loan Officer/Sales Manager
Address: 450 West Larch Road
Tracy, CA 95301
(209) 652-2880
charles.sterni@academymortgage.com
Manuel Nevarez
Branch Manager
2920 3rd St
Ceres, CA 95301
(559) 479-0576
manuel.nevarez@fairwaymc.com
Ramin Adam
Loan Officer
2920 3rd St
Ceres, CA 95301
(209) 604-1824
ramin.adam@fairwaymc.com
Address
1861 Bellevue Road
Atwater , CA
Contact
(209) 357-7438
Fax (301) 639-0804
Alison.Hague@rabobank.com
Address
1861 Bellevue Road
Atwater , CA
Contact
(209) 357-7438
Fax (301) 639-0804
Kristy.Borba@rabobank.com
Address
Address: 450 West Larch Road
Tracy, CA
Contact
(209) 652-2880
Fax (301) 639-0804
charles.sterni@academymortgage.com