Compare Today’s Refinance Rates for Fair Oaks, California 95628
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Fair Oaks, California 95628.
With a 30-year amortization refinance in Fair Oaks and surrounding areas of Sacramento county, our calculations show that you can expect to save up to $7,753 over the lifetime of your mortgage, or a monthly savings of $22. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Fair Oaks, California 95628.
Summary of Average Refinances in Fair Oaks, California 95628
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Interactive Refinance Rate Projections for Fair Oaks, California 95628
Pureloan has developed an interactive chart to monitor the five largest local lenders in Fair Oaks, CA 95628, 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 Fair Oaks, California 95628 from 2024 - 2016
The following historical data provides insights into refinancing trends in Fair Oaks, 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 Fair Oaks, California 95628
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Fair Oaks, California 95628, we have compiled a list of top refinance brokers to assist you in the process.
Kathleen O'Brien
Loan Officer
8525 Madison Avenue # 142
Fair Oaks, CA 95628
(916) 241-0799
kathy.o'brien@snmc.com
Eric Lee
Realtor / Loan Officer
Fair Oaks Blvd #202
Fair Oaks, CA 95628
(916) 897-3933
Eric@TheMaloneGroupInc.com
Rich Ryan
Loan Originator
5335 Primrose Dr. Suite 231
Fair Oaks, CA 95628
(916) 725-9905
richr@mbac.com
Dan Gross
Mortgage Loan Originator
8816 Madison Ave
Fair Oaks, CA 95628
(916) 724-5093
dgross@teamvitek.com
Sean Anderson
Mortgage Loan Originator
8816 Madison Ave
Fair Oaks, CA 95628
(916) 974-4152
sanderson@teamvitek.com
Address
8525 Madison Avenue # 142
Fair Oaks, CA
Contact
(916) 241-0799
Fax (301) 639-0804
kathy.o'brien@snmc.com
Address
Fair Oaks Blvd #202
Fair Oaks, CA
Contact
(916) 897-3933
Fax (301) 639-0804
Eric@TheMaloneGroupInc.com
Address
5335 Primrose Dr. Suite 231
Fair Oaks, CA
Contact
(916) 725-9905
Fax (301) 639-0804
richr@mbac.com