Compare Today’s Refinance Rates for Calpella, California 95418
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Calpella, California 95418.
With a 30-year amortization refinance in Calpella and surrounding areas of Mendocino county, our calculations show that you can expect to save up to $6,246 over the lifetime of your mortgage, or a monthly savings of $17. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Calpella, California 95418.
Summary of Average Refinances in Calpella, California 95418
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Interactive Refinance Rate Projections for Calpella, California 95418
Pureloan has developed an interactive chart to monitor the five largest local lenders in Calpella, CA 95418, 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 Calpella, California 95418 from 2024 - 2016
The following historical data provides insights into refinancing trends in Calpella, California and the surrounding Mendocino 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 Calpella, California 95418
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Calpella, California 95418, we have compiled a list of top refinance brokers to assist you in the process.
Mel Fox
Loan Officer
1330 N Dutton Ave Ste 200
Santa Rosa, CA 95418
(707) 303-3701
mfox@prioritylenders.com
Gina Unciano
Mortgage
438 1st St Ste 150
Santa Rosa, CA 95418
(707) 575-3220
gina@sequoiapacificmortgage.com
DENNIS HARTER
Mortgage
438 1st St Ste 150
Santa Rosa, CA 95418
(707) 575-3220
dennis@sequoiapacificmortgage.com
JACKIE PETERSEN
Mortgage
438 1st St Ste 150
Santa Rosa, CA 95418
(707) 575-3220
jackie@sequoiapacificmortgage.com
LORI PRIEST
Mortgage
438 1st St Ste 150
Santa Rosa, CA 95418
(707) 575-3220
lpriest@sequoiapacificmortgage.com
Address
1330 N Dutton Ave Ste 200
Santa Rosa, CA
Contact
(707) 303-3701
Fax (301) 639-0804
mfox@prioritylenders.com
Address
438 1st St Ste 150
Santa Rosa, CA
Contact
(707) 575-3220
Fax (301) 639-0804
gina@sequoiapacificmortgage.com
Address
438 1st St Ste 150
Santa Rosa, CA
Contact
(707) 575-3220
Fax (301) 639-0804
dennis@sequoiapacificmortgage.com