Compare Today’s Refinance Rates for Fulton, California 95439
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Fulton, California 95439.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $14,894 over the lifetime of your mortgage, which translates to a monthly savings of $41 in Fulton and other areas of Sonoma 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 Fulton, California 95439
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Interactive Refinance Rate Projections for Fulton, California 95439
Pureloan has developed an interactive chart to monitor the five largest local lenders in Fulton, CA 95439, 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 Fulton, California 95439 from 2024 - 2016
The following historical data provides insights into refinancing trends in Fulton, California and the surrounding Sonoma 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 Fulton, California 95439
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Fulton, California 95439, we have compiled a list of top refinance brokers to assist you in the process.
Kimberly Cottingham
L an fficer
39126 cean Drive, Suite A
Gualala, CA 95439
(707) 823-6646
Kim@cottinghamloans.com
Jennifer Beeston
Branch Manager
737 Healdsburg Ave
Healdsburg, CA 95439
(707) 559-9566
beeston@rate.com
Mark Hall
Loan officer
1201 Vine St, Suite 102
Healdsburg, CA 95439
(415) 524-3426
mark.hall@guildmortgage.com
Suzanne Martindale
Loan officer
1201 Vine St., Suite 102
Healdsburg, CA 95439
(707) 385-8474
smartindale@guildmortgage.com
Mel Fox
Loan Officer
1330 N Dutton Ave Ste 200
Santa Rosa, CA 95439
(707) 303-3701
mfox@prioritylenders.com
Address
39126 cean Drive, Suite A
Gualala, CA
Contact
(707) 823-6646
Fax (301) 639-0804
Kim@cottinghamloans.com
Address
737 Healdsburg Ave
Healdsburg, CA
Contact
(707) 559-9566
Fax (301) 639-0804
beeston@rate.com
Address
1201 Vine St, Suite 102
Healdsburg, CA
Contact
(415) 524-3426
Fax (301) 639-0804
mark.hall@guildmortgage.com