Compare Today’s Refinance Rates for Discovery Bay, California 94505
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Discovery Bay, California 94505.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Discovery Bay, California 94505. For 30-year amortization refinancing, you can expect lifetime cash savings of $11,214 or $31 per month in Discovery Bay and other parts of Contra Costa county.
Summary of Average Refinances in Discovery Bay, California 94505
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Interactive Refinance Rate Projections for Discovery Bay, California 94505
Pureloan has developed an interactive chart to monitor the five largest local lenders in Discovery Bay, CA 94505, 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 Discovery Bay, California 94505 from 2024 - 2016
The following historical data provides insights into refinancing trends in Discovery Bay, California and the surrounding Contra Costa 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 | 88.24% | 68.47% | 74.24% | 74.96% | 81.59% | 76.80% | 72.51% | 72.92% | 75.62% |
| avg refi rate | 6.29% | 3.34% | 2.85% | 3.13% | 4.04% | 4.48% | 4.04% | 3.84% | 4.02% |
| % 15 year fixed refinance | 8.82% | 19.69% | 16.99% | 16.61% | 11.62% | 16.01% | 20.62% | 20.36% | 17.37% |
| avg refi rate | 5.46% | 2.54% | 2.33% | 2.67% | 3.45% | 3.80% | 3.27% | 3.08% | 3.26% |
| Avg credit score | 749.53 | 761.15 | 767.10 | 771.32 | 756.05 | 747.69 | 751.67 | 759.23 | 759.92 |
| Avg LTV (loan to value) | 53.40% | 49.90% | 55.09% | 57.55% | 62.97% | 57.20% | 57.90% | 57.74% | 61.46% |
| Avg DTI (debt to income) | 39.12 | 35.46 | 33.29 | 32.92 | 35.78 | 36.41 | 35.45 | 34.09 | 34.35 |
| Avg refinance insurance % | 0.35% | 0.61% | 0.88% | 1.26% | 2.72% | 1.24% | 1.36% | 0.99% | 1.18% |
Best Refinance Brokers around Discovery Bay, California 94505
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Discovery Bay, California 94505, we have compiled a list of top refinance brokers to assist you in the process.
Rita Caruso
Loan Officer
1540 Discovery Bay Blvd. Suite B
Discovery Bay, CA 94505
(925) 640-5746
rcaruso@guildmortgage.com
Scott Andrews
Loan Officer
100 Cortona Way Ste 220
Brentwood, CA 94505
(925) 513-0444
Scott@deltalending.com
Ben Bauer
Loan Officer
100 Cortona Way Ste 220
Brentwood, CA 94505
(925) 906-1100
bbauer@deltalending.com
Christian Knight
Loan Officer
100 Cortona Way Ste 220
Brentwood, CA 94505
(925) 513-0444
ckloans@gmail.com
Cynthia Ulricksen
Loan Officer
100 Cortona Way Ste 220
Brentwood, CA 94505
(925) 513-9211
cynthia@deltalending.com
Address
1540 Discovery Bay Blvd. Suite B
Discovery Bay, CA
Contact
(925) 640-5746
Fax (301) 639-0804
rcaruso@guildmortgage.com
Address
100 Cortona Way Ste 220
Brentwood, CA
Contact
(925) 513-0444
Fax (301) 639-0804
Scott@deltalending.com
Address
100 Cortona Way Ste 220
Brentwood, CA
Contact
(925) 906-1100
Fax (301) 639-0804
bbauer@deltalending.com