Compare Today’s Refinance Rates for Folsom, California 95630
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Folsom, California 95630.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Folsom, California 95630. For 30-year amortization refinancing, you can expect lifetime cash savings of $10,338 or $29 per month in Folsom and other parts of Sacramento county.
Summary of Average Refinances in Folsom, California 95630
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Interactive Refinance Rate Projections for Folsom, California 95630
Pureloan has developed an interactive chart to monitor the five largest local lenders in Folsom, CA 95630, 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 Folsom, California 95630 from 2024 - 2016
The following historical data provides insights into refinancing trends in Folsom, 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 Folsom, California 95630
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Folsom, California 95630, we have compiled a list of top refinance brokers to assist you in the process.
Todd Avakian
Branch Manager
1181 Iron Point Road, Suite 200
Folsom, CA 95630
(191) 693-2170
Todd.Avakian@spmc.com
Phil Joseph
Branch Manager
1182 Iron Point Road, Suite 200
Folsom, CA 95630
(191) 693-2170
Phil.Joseph@spmc.com
Christopher Long
Branch Manager
1180 Iron Point Road, Suite 200
Folsom, CA 95630
(191) 693-2170
Christopher.Long@spmc.com
Tim Halverson
Branch Manager
2360 E. Bidwell Street, Suite 105
Folsom, CA 95630
(916) 553-2481
tim.halverson@loanpacific.com
Michelle Martin
Mortgage Loan Originator
2360 E. Bidwell Street, Suite 105
Folsom, CA 95630
(916) 553-2480
michelle.martin@loanpacific.com
Address
1181 Iron Point Road, Suite 200
Folsom, CA
Contact
(191) 693-2170
Fax (301) 639-0804
Todd.Avakian@spmc.com
Address
1182 Iron Point Road, Suite 200
Folsom, CA
Contact
(191) 693-2170
Fax (301) 639-0804
Phil.Joseph@spmc.com
Address
1180 Iron Point Road, Suite 200
Folsom, CA
Contact
(191) 693-2170
Fax (301) 639-0804
Christopher.Long@spmc.com