Compare Today’s Refinance Rates for Garden Valley, California 95633
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Garden Valley, California 95633.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Garden Valley, California 95633. For 30-year amortization refinancing, you can expect lifetime cash savings of $5,693 or $16 per month in Garden Valley and other parts of El Dorado county.
Summary of Average Refinances in Garden Valley, California 95633
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Interactive Refinance Rate Projections for Garden Valley, California 95633
Pureloan has developed an interactive chart to monitor the five largest local lenders in Garden Valley, CA 95633, 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 Garden Valley, California 95633 from 2024 - 2016
The following historical data provides insights into refinancing trends in Garden Valley, California and the surrounding El Dorado 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 Garden Valley, California 95633
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Garden Valley, California 95633, we have compiled a list of top refinance brokers to assist you in the process.
Melissa Hiatt
Mortgage Loan Orginator
6310 Hwy 193 At Church Street
Georgetown, CA 95633
(530) 333-1101
MHiatt@eldoradosavings.com
Suzi Pierce
Mortgage Loan Orginator
6310 Hwy 193 At Church Street
Georgetown, CA 95633
(530) 333-1101
SPierce@eldoradosavings.com
Amanda Morse
Loan Officer
1012 Riley St Ste 1
Folsom, CA 95633
(916) 983-8350
Amanda.L.Morse@chase.com
Jason Clark
Mortgage Banker
1012 Riley St Ste 1
Folsom, CA 95633
(191) 671-9610
Jason.R.Clark@Chase.com
Brent Lathe
Home Mortgage Consultant
1130 Iron Point Rd. 2nd Flr Suite 238
Folsom, CA 95633
(916) 294-3223
Brent.R.Lathe@wellsfargo.com
Address
6310 Hwy 193 At Church Street
Georgetown, CA
Contact
(530) 333-1101
Fax (301) 639-0804
MHiatt@eldoradosavings.com
Address
6310 Hwy 193 At Church Street
Georgetown, CA
Contact
(530) 333-1101
Fax (301) 639-0804
SPierce@eldoradosavings.com
Address
1012 Riley St Ste 1
Folsom, CA
Contact
(916) 983-8350
Fax (301) 639-0804
Amanda.L.Morse@chase.com