Compare Today’s Refinance Rates for Goleta, California 93118
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Goleta, California 93118.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $15,069 over the lifetime of your mortgage, which translates to a monthly savings of $42 in Goleta and other areas of Santa Barbara 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 Goleta, California 93118
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Interactive Refinance Rate Projections for Goleta, California 93118
Pureloan has developed an interactive chart to monitor the five largest local lenders in Goleta, CA 93118, 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 Goleta, California 93118 from 2024 - 2016
The following historical data provides insights into refinancing trends in Goleta, California and the surrounding Santa Barbara 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 | 91.30% | 70.38% | 75.72% | 79.04% | 82.07% | 76.06% | 75.38% | 78.41% | 78.67% |
avg refi rate | 6.19% | 3.29% | 2.85% | 3.14% | 3.98% | 4.46% | 4.07% | 3.85% | 4.04% |
% 15 year fixed refinance | 4.35% | 17.89% | 13.81% | 12.02% | 10.73% | 13.38% | 16.55% | 14.35% | 12.31% |
avg refi rate | 5.63% | 2.53% | 2.33% | 2.66% | 3.39% | 3.82% | 3.28% | 3.13% | 3.28% |
Avg credit score | 735.91 | 749.38 | 763.36 | 769.12 | 756.34 | 744.68 | 753.27 | 757.37 | 756.71 |
Avg LTV (loan to value) | 52.61% | 53.45% | 59.17% | 62.42% | 67.77% | 65.34% | 65.04% | 64.48% | 66.78% |
Avg DTI (debt to income) | 36.13 | 36.86 | 35.06 | 34.88 | 36.89 | 38.15 | 36.76 | 35.69 | 36.33 |
Avg refinance insurance % | 2.35% | 0.57% | 1.28% | 1.70% | 3.15% | 2.18% | 1.74% | 1.60% | 1.94% |
Best Refinance Brokers around Goleta, California 93118
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Goleta, California 93118, we have compiled a list of top refinance brokers to assist you in the process.
Sean Donner
Mortgage Loan Representative
5956 Calle Real
Goleta, CA 93118
(805) 967-0451
Sean.Donner@rabobank.com
Ambia Jeckell
AVP, Relati nship Manager
6950 H llister Ave Ste 102.
Goleta, CA 93118
(805) 564-7301
ajeckell@montecito.com
Ben Scott
VP, Seni r Relati nship Manager
6950 H llister Ave Ste 102.
Goleta, CA 93118
(805) 564-7309
bscott@montecito.com
Davin Mantell
VP, Seni r Relati nship Manager
6950 H llister Ave Ste 102.
Goleta, CA 93118
(805) 564-0293
dmantell@montecito.com
Clyde Freeman
VP, Seni r C mmercial Real Estate Lender
6950 H llister Ave Ste 102.
Goleta, CA 93118
(805) 564-0280
cfreeman@montecito.com
Address
5956 Calle Real
Goleta, CA
Contact
(805) 967-0451
Fax (301) 639-0804
Sean.Donner@rabobank.com
Address
6950 H llister Ave Ste 102.
Goleta, CA
Contact
(805) 564-7301
Fax (301) 639-0804
ajeckell@montecito.com
Address
6950 H llister Ave Ste 102.
Goleta, CA
Contact
(805) 564-7309
Fax (301) 639-0804
bscott@montecito.com