Compare Today’s Refinance Rates for Citrus Heights, California 95610
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Citrus Heights, California 95610.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,539 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Citrus Heights and other areas of Sacramento county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Citrus Heights, California 95610
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Interactive Refinance Rate Projections for Citrus Heights, California 95610
Pureloan has developed an interactive chart to monitor the five largest local lenders in Citrus Heights, CA 95610, 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 Citrus Heights, California 95610 from 2024 - 2016
The following historical data provides insights into refinancing trends in Citrus Heights, California and the surrounding Sacramento 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 Citrus Heights, California 95610
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Citrus Heights, California 95610, we have compiled a list of top refinance brokers to assist you in the process.
Dale Covey
Mortgage Loan Orginator
7895 Lichen Dr
Citrus Heights, CA 95610
(916) 729-1100
DCovey@eldoradosavings.com
Grace Hernandez
Mortgage Loan Orginator
7895 Lichen Dr
Citrus Heights, CA 95610
(916) 729-1100
GHernandez@eldoradosavings.com
Michael Linington
Loan Officer
7084 Auburn Blvd
Citrus Heights, CA 95610
(916) 722-0292
Michael.Linington@chase.com
Cassandra Leisure
Loan Processor
5751 Sunrise Blvd
Citrus Heights, CA 95610
(916) 864-3999
cleisure@ccmclending.com
LaDaughn Fogal
Loan Officer
5751 Sunrise Blvd
Citrus Heights, CA 95610
(916) 864-3985
lfogal@ccmclending.com
Address
7895 Lichen Dr
Citrus Heights, CA
Contact
(916) 729-1100
Fax (301) 639-0804
DCovey@eldoradosavings.com
Address
7895 Lichen Dr
Citrus Heights, CA
Contact
(916) 729-1100
Fax (301) 639-0804
GHernandez@eldoradosavings.com
Address
7084 Auburn Blvd
Citrus Heights, CA
Contact
(916) 722-0292
Fax (301) 639-0804
Michael.Linington@chase.com