Compare Today’s Refinance Rates for Ceres, California 95307
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Ceres, California 95307.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Ceres, California 95307. For 30-year amortization refinancing, you can expect lifetime cash savings of $5,727 or $16 per month in Ceres and other parts of Stanislaus county.
Summary of Average Refinances in Ceres, California 95307
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Interactive Refinance Rate Projections for Ceres, California 95307
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ceres, CA 95307, 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 Ceres, California 95307 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ceres, California and the surrounding Stanislaus 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 Ceres, California 95307
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ceres, California 95307, we have compiled a list of top refinance brokers to assist you in the process.
Ramin Adam
Loan Officer
2920 3rd St
Ceres, CA 95307
(209) 604-1824
ramin.adam@fairwaymc.com
Manuel Nevarez
Branch Manager
2920 3rd St
Ceres, CA 95307
(559) 479-0576
manuel.nevarez@fairwaymc.com
Diann Hansen
Loan Officer
299 E 20th St
Merced, CA 95307
(303) 933-5211
DH@ProFileHomeLoans.com
Bob Sullivan
Mortgage Consultant
3321 G St Ste B
Merced, CA 95307
(209) 384-4200
bob.sullivan@icitymortgage.com
Christopher Johnson
Home Mortgage Consultant
3538 G St
Merced, CA 95307
(209) 381-7890
cj.Johnson@wellsfargo.com
Address
2920 3rd St
Ceres, CA
Contact
(209) 604-1824
Fax (301) 639-0804
ramin.adam@fairwaymc.com
Address
2920 3rd St
Ceres, CA
Contact
(559) 479-0576
Fax (301) 639-0804
manuel.nevarez@fairwaymc.com
Address
299 E 20th St
Merced, CA
Contact
(303) 933-5211
Fax (301) 639-0804
DH@ProFileHomeLoans.com