Compare Today’s Refinance Rates for El Cerrito, California 94530
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in El Cerrito, California 94530.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $15,420 over the lifetime of your mortgage, which translates to a monthly savings of $43 in El Cerrito and other areas of Contra Costa 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 El Cerrito, California 94530
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Interactive Refinance Rate Projections for El Cerrito, California 94530
Pureloan has developed an interactive chart to monitor the five largest local lenders in El Cerrito, CA 94530, 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 El Cerrito, California 94530 from 2024 - 2016
The following historical data provides insights into refinancing trends in El Cerrito, 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 El Cerrito, California 94530
If you are considering refinancing your mortgage or obtaining a cash-out refinance in El Cerrito, California 94530, we have compiled a list of top refinance brokers to assist you in the process.
Geoffrey Ocang
Mortgage Loan Officer
38980 Fremont Blvd
Fremont, CA 94530
(510) 795-1806
Geoffrey.J.Ocang@Chase.com
Leroy Healy
Mortgage Banker
3906 Washington Blvd
Fremont, CA 94530
(151) 078-9000
Leroy.W.Healy@Chase.com
Cynthia Buffington
Loan officer
39150 Fremont Blvd
Fremont, CA 94530
(510) 505-5226
Cynthia.Buffington@fremontbank.com
Lorie Dunn
Loan officer
39150 Fremont Blvd
Fremont, CA 94530
(510) 207-7696
Lorie.Dunn@fremontbank.com
Domenica Gianino
Loan officer
39150 Fremont Blvd
Fremont, CA 94530
(831) 238-7576
Domenica.Gianino@fremontbank.com
Address
38980 Fremont Blvd
Fremont, CA
Contact
(510) 795-1806
Fax (301) 639-0804
Geoffrey.J.Ocang@Chase.com
Address
3906 Washington Blvd
Fremont, CA
Contact
(151) 078-9000
Fax (301) 639-0804
Leroy.W.Healy@Chase.com
Address
39150 Fremont Blvd
Fremont, CA
Contact
(510) 505-5226
Fax (301) 639-0804
Cynthia.Buffington@fremontbank.com