Compare Today’s Refinance Rates for El Sobrante, California 94820
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in El Sobrante, California 94820.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in El Sobrante, California 94820. For 30-year amortization refinancing, you can expect lifetime cash savings of $10,864 or $30 per month in El Sobrante and other parts of Contra Costa county.
Summary of Average Refinances in El Sobrante, California 94820
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Interactive Refinance Rate Projections for El Sobrante, California 94820
Pureloan has developed an interactive chart to monitor the five largest local lenders in El Sobrante, CA 94820, 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 Sobrante, California 94820 from 2024 - 2016
The following historical data provides insights into refinancing trends in El Sobrante, 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 Sobrante, California 94820
If you are considering refinancing your mortgage or obtaining a cash-out refinance in El Sobrante, California 94820, we have compiled a list of top refinance brokers to assist you in the process.
Eric Melson
Loan Officer
3260 Blume Drive, Suite 320
Richmond, CA 94820
(510) 682-3792
eric@jadestoneinc.com
Edward Carroll
Senior Loan Officer
3220 Blume Drive, Suite 248
Richmond, CA 94820
(510) 669-2202
ECarroll@pcmloan.com
Benjamin Lorenzoni
Home Mortgage Consultant
3260 Blume Drive Ste 130
Richmond, CA 94820
(510) 706-4777
benjamin.lorenzoni@wellsfargo.com
Carla Burris
Home Mortgage Consultant
3260 Blume Drive Ste 130
Richmond, CA 94820
(510) 706-4777
Carla.Burris@wellsfargo.com
Marcos Amador
Home Mortgage Consultant
3260 Blume Drive Ste 130
Richmond, CA 94820
(510) 706-4777
Marcos.Amador@wellsfargo.com
Address
3260 Blume Drive, Suite 320
Richmond, CA
Contact
(510) 682-3792
Fax (301) 639-0804
eric@jadestoneinc.com
Address
3220 Blume Drive, Suite 248
Richmond, CA
Contact
(510) 669-2202
Fax (301) 639-0804
ECarroll@pcmloan.com
Address
3260 Blume Drive Ste 130
Richmond, CA
Contact
(510) 706-4777
Fax (301) 639-0804
benjamin.lorenzoni@wellsfargo.com