Compare Today’s Refinance Rates for Hayward, California 94542
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Hayward, California 94542.
With a 30-year amortization refinance in Hayward and surrounding areas of Alameda county, our calculations show that you can expect to save up to $11,740 over the lifetime of your mortgage, or a monthly savings of $33. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Hayward, California 94542.
Summary of Average Refinances in Hayward, California 94542
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Interactive Refinance Rate Projections for Hayward, California 94542
Pureloan has developed an interactive chart to monitor the five largest local lenders in Hayward, CA 94542, 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 Hayward, California 94542 from 2024 - 2016
The following historical data provides insights into refinancing trends in Hayward, California and the surrounding Alameda 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 | 88.24% | 68.47% | 74.24% | 74.96% | 81.59% | 76.80% | 72.51% | 72.92% | 75.62% |
avg refi rate | 6.29% | 3.34% | 2.85% | 3.13% | 4.04% | 4.48% | 4.04% | 3.84% | 4.02% |
% 15 year fixed refinance | 8.82% | 19.69% | 16.99% | 16.61% | 11.62% | 16.01% | 20.62% | 20.36% | 17.37% |
avg refi rate | 5.46% | 2.54% | 2.33% | 2.67% | 3.45% | 3.80% | 3.27% | 3.08% | 3.26% |
Avg credit score | 749.53 | 761.15 | 767.10 | 771.32 | 756.05 | 747.69 | 751.67 | 759.23 | 759.92 |
Avg LTV (loan to value) | 53.40% | 49.90% | 55.09% | 57.55% | 62.97% | 57.20% | 57.90% | 57.74% | 61.46% |
Avg DTI (debt to income) | 39.12 | 35.46 | 33.29 | 32.92 | 35.78 | 36.41 | 35.45 | 34.09 | 34.35 |
Avg refinance insurance % | 0.35% | 0.61% | 0.88% | 1.26% | 2.72% | 1.24% | 1.36% | 0.99% | 1.18% |
Best Refinance Brokers around Hayward, California 94542
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Hayward, California 94542, we have compiled a list of top refinance brokers to assist you in the process.
Melvin Camarena
Loan Officer
22320 Foothill Blvd Suite 322
Hayward, CA 94542
(510) 432-3374
melvin.camarena@fairwaymc.com
Joel Valencia
Loan Officer
22320 Foothill Blvd Suite 322
Hayward, CA 94542
(510) 227-1055
joel.valencia@fairwaymc.com
Cecilia Valencia
Loan Officer
22320 Foothill Blvd Suite 322
Hayward, CA 94542
(510) 227-1055
cecy.valencia@fairwaymc.com
Michael Eusebio
Mortgage Banker
24333 Southland Dr
Hayward, CA 94542
(151) 088-5144
Michael.A.Eusebio@Chase.com
Andre Szczepanski
Loan Officer
24333 Southland Dr
Hayward, CA 94542
(510) 293-1951 Ext3
Andre.Szczepanski@chase.com
Address
22320 Foothill Blvd Suite 322
Hayward, CA
Contact
(510) 432-3374
Fax (301) 639-0804
melvin.camarena@fairwaymc.com
Address
22320 Foothill Blvd Suite 322
Hayward, CA
Contact
(510) 227-1055
Fax (301) 639-0804
joel.valencia@fairwaymc.com
Address
22320 Foothill Blvd Suite 322
Hayward, CA
Contact
(510) 227-1055
Fax (301) 639-0804
cecy.valencia@fairwaymc.com