Compare Today’s Refinance Rates for Baker, California 92309
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Baker, California 92309.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Baker, California 92309. For 30-year amortization refinancing, you can expect lifetime cash savings of $3,430 or $10 per month in Baker and other parts of San Bernardino county.
Summary of Average Refinances in Baker, California 92309
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Interactive Refinance Rate Projections for Baker, California 92309
Pureloan has developed an interactive chart to monitor the five largest local lenders in Baker, CA 92309, 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 Baker, California 92309 from 2024 - 2016
The following historical data provides insights into refinancing trends in Baker, California and the surrounding San Bernardino 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 | 80.00% | 65.61% | 69.65% | 69.92% | 70.65% | 62.77% | 61.66% | 64.30% | 60.66% |
| avg refi rate | 6.68% | 3.46% | 2.94% | 3.23% | 4.10% | 4.60% | 4.13% | 3.92% | 4.09% |
| % 15 year fixed refinance | 16.00% | 21.20% | 18.84% | 19.04% | 17.83% | 25.76% | 27.90% | 25.80% | 27.69% |
| avg refi rate | 5.06% | 2.70% | 2.43% | 2.80% | 3.57% | 3.91% | 3.41% | 3.17% | 3.38% |
| Avg credit score | 735.36 | 742.91 | 755.26 | 759.31 | 750.71 | 742.94 | 747.76 | 751.33 | 755.70 |
| Avg LTV (loan to value) | 59.96% | 54.91% | 62.32% | 66.05% | 68.58% | 68.86% | 66.66% | 67.07% | 67.06% |
| Avg DTI (debt to income) | 40.08 | 36.92 | 35.59 | 35.03 | 36.38 | 36.81 | 35.67 | 34.88 | 35.27 |
| Avg refinance insurance % | 1.48% | 0.56% | 1.58% | 2.46% | 3.86% | 2.56% | 2.52% | 2.36% | 2.34% |
Best Refinance Brokers around Baker, California 92309
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Baker, California 92309, we have compiled a list of top refinance brokers to assist you in the process.
Arnold Urias
Home Loan Officer
42007 Fox Farm Rd., Suite 3A
Big Bear Lake, CA 92309
(909) 866-8877
arnold.urias@homestreet.com
Ricardo Molina
Loan officer
14518 Baseline Ave
Fontana, CA 92309
(909) 349-1164
Ricardo.Molina@chase.com
Craig Carlson
Mortgage Banker
17317 Main St
Hesperia, CA 92309
(176) 024-4331
Craig.W.Carlson@Chase.com
April Pratt
Loan Officer
1615 Orange Tree Ln Ste 100
Redlands, CA 92309
(909) 255-7604
aprilp@arrowheadcapitalmortgage.com
Christina Anderson
Loan Officer
1615 Orange Tree Ln Ste 100
Redlands, CA 92309
(909) 255-7602
christina@arrowheadcapitalmortgage.com
Address
42007 Fox Farm Rd., Suite 3A
Big Bear Lake, CA
Contact
(909) 866-8877
Fax (301) 639-0804
arnold.urias@homestreet.com
Address
14518 Baseline Ave
Fontana, CA
Contact
(909) 349-1164
Fax (301) 639-0804
Ricardo.Molina@chase.com
Address
17317 Main St
Hesperia, CA
Contact
(176) 024-4331
Fax (301) 639-0804
Craig.W.Carlson@Chase.com