Compare Today’s Refinance Rates for Encinitas, California 92024
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Encinitas, California 92024.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $89,806 over the lifetime of your mortgage, which translates to a monthly savings of $249 in Encinitas and other areas of San Diego 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 Encinitas, California 92024
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Interactive Refinance Rate Projections for Encinitas, California 92024
Pureloan has developed an interactive chart to monitor the five largest local lenders in Encinitas, CA 92024, 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 Encinitas, California 92024 from 2024 - 2016
The following historical data provides insights into refinancing trends in Encinitas, California and the surrounding San Diego 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 | 96.97% | 72.77% | 79.26% | 79.60% | 85.24% | 81.44% | 78.04% | 79.13% | 80.13% |
| avg refi rate | 6.26% | 3.33% | 2.85% | 3.13% | 3.99% | 4.47% | 4.07% | 3.84% | 4.03% |
| % 15 year fixed refinance | 3.03% | 16.64% | 12.42% | 12.07% | 7.87% | 12.29% | 15.45% | 14.27% | 13.88% |
| avg refi rate | 5.38% | 2.57% | 2.34% | 2.66% | 3.47% | 3.82% | 3.21% | 3.11% | 3.25% |
| Avg credit score | 750.36 | 752.61 | 765.73 | 770.56 | 757.95 | 745.08 | 751.57 | 758.71 | 758.44 |
| Avg LTV (loan to value) | 55.67% | 50.20% | 57.69% | 60.29% | 66.94% | 62.70% | 62.86% | 63.63% | 65.63% |
| Avg DTI (debt to income) | 41.64 | 37.72 | 34.85 | 34.06 | 36.61 | 38.02 | 36.48 | 35.46 | 35.36 |
| Avg refinance insurance % | 2.64% | 0.46% | 1.11% | 1.63% | 3.54% | 1.97% | 1.77% | 1.85% | 1.88% |
Best Refinance Brokers around Encinitas, California 92024
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Encinitas, California 92024, we have compiled a list of top refinance brokers to assist you in the process.
Christopher Yu
Mortgage Lender
247 N El Camino Real
Encinitas, CA 92024
(619) 829-7180
christopher.yu@unionbank.com
Sylvia Sanders
Mortgage Lender
700 Garden View Ct. #205
Encinitas, CA 92024
(760) 429-4470
ssanders@primelending.com
Wil Ruiz
Mortgage Lender
662 Encinitas Blvd #201
Encinitas, CA 92024
(760) 612-6327
wil.ruiz@nafinc.com
Barbara Tuppa
Mortgage Lender
662 Encinitas Blvd #201
Encinitas, CA 92024
(760) 607-8270
barbara.tuppa@nafinc.com
Robert Perry
Mortgage Lender
171 Saxony Rd., Ste 205
Encinitas, CA 92024
(206) 947-5760
robert.perry@movement.com
Address
247 N El Camino Real
Encinitas, CA
Contact
(619) 829-7180
Fax (301) 639-0804
christopher.yu@unionbank.com
Address
700 Garden View Ct. #205
Encinitas, CA
Contact
(760) 429-4470
Fax (301) 639-0804
ssanders@primelending.com
Address
662 Encinitas Blvd #201
Encinitas, CA
Contact
(760) 612-6327
Fax (301) 639-0804
wil.ruiz@nafinc.com