Compare Today’s Refinance Rates for Carmel, California 93922
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Carmel, California 93922.
With a 30-year amortization refinance in Carmel and surrounding areas of Monterey county, our calculations show that you can expect to save up to $17,523 over the lifetime of your mortgage, or a monthly savings of $49. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Carmel, California 93922.
Summary of Average Refinances in Carmel, California 93922
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Interactive Refinance Rate Projections for Carmel, California 93922
Pureloan has developed an interactive chart to monitor the five largest local lenders in Carmel, CA 93922, 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 Carmel, California 93922 from 2024 - 2016
The following historical data provides insights into refinancing trends in Carmel, California and the surrounding Monterey 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 | 91.30% | 70.38% | 75.72% | 79.04% | 82.07% | 76.06% | 75.38% | 78.41% | 78.67% |
avg refi rate | 6.19% | 3.29% | 2.85% | 3.14% | 3.98% | 4.46% | 4.07% | 3.85% | 4.04% |
% 15 year fixed refinance | 4.35% | 17.89% | 13.81% | 12.02% | 10.73% | 13.38% | 16.55% | 14.35% | 12.31% |
avg refi rate | 5.63% | 2.53% | 2.33% | 2.66% | 3.39% | 3.82% | 3.28% | 3.13% | 3.28% |
Avg credit score | 735.91 | 749.38 | 763.36 | 769.12 | 756.34 | 744.68 | 753.27 | 757.37 | 756.71 |
Avg LTV (loan to value) | 52.61% | 53.45% | 59.17% | 62.42% | 67.77% | 65.34% | 65.04% | 64.48% | 66.78% |
Avg DTI (debt to income) | 36.13 | 36.86 | 35.06 | 34.88 | 36.89 | 38.15 | 36.76 | 35.69 | 36.33 |
Avg refinance insurance % | 2.35% | 0.57% | 1.28% | 1.70% | 3.15% | 2.18% | 1.74% | 1.60% | 1.94% |
Best Refinance Brokers around Carmel, California 93922
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Carmel, California 93922, we have compiled a list of top refinance brokers to assist you in the process.
Dan Pherigo
Senior Loan Officer
126 Clock Tower Place, Suite 209
Carmel, CA 93922
(83) 578-6588
dpherigo@bayeq.com
Dan Divine
Loan Officer
126 Clock Tower Place, Suite 210
Carmel, CA 93922
(209) 833-3338
ddivine@divcap.net
Catherine Hodges
Mortgage Banker
San Carlos @ 6th St
Carmel, CA 93922
(8) 352-4671
catherine.a.hodges@chase.com
Sarah Russo
Loan Advisor
3 SW Corner of 5th and San Carlos
Carmel, CA 93922
(925) 295-9300
srusso@rpm-mtg.com
Alex Johnston
Loan Advisor
3 SW Corner of 5th and San Carlos
Carmel, CA 93922
(925) 295-9300
ajohnston@rpm-mtg.com
Address
126 Clock Tower Place, Suite 209
Carmel, CA
Contact
(83) 578-6588
Fax (301) 639-0804
dpherigo@bayeq.com
Address
126 Clock Tower Place, Suite 210
Carmel, CA
Contact
(209) 833-3338
Fax (301) 639-0804
ddivine@divcap.net
Address
San Carlos @ 6th St
Carmel, CA
Contact
(8) 352-4671
Fax (301) 639-0804
catherine.a.hodges@chase.com