Compare Today’s Refinance Rates for Herald, California 95638
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Herald, California 95638.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $10,689 over the lifetime of your mortgage, which translates to a monthly savings of $30 in Herald and other areas of Sacramento 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 Herald, California 95638
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Interactive Refinance Rate Projections for Herald, California 95638
Pureloan has developed an interactive chart to monitor the five largest local lenders in Herald, CA 95638, 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 Herald, California 95638 from 2024 - 2016
The following historical data provides insights into refinancing trends in Herald, 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 Herald, California 95638
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Herald, California 95638, we have compiled a list of top refinance brokers to assist you in the process.
Debra Walker
Mortgage Loan Orginator
135 Main St
Jackson, CA 95638
(209) 223-1162
DWalker@eldoradosavings.com
Doug Bonneau
Mortgage Loan Orginator
135 Main St
Jackson, CA 95638
(209) 223-1162
DBonneau@eldoradosavings.com
Gina Serna
Mortgage Loan Orginator
135 Main St
Jackson, CA 95638
(209) 223-1162
GSerna@eldoradosavings.com
Janice Nyholm
Mortgage Loan Orginator
135 Main St
Jackson, CA 95638
(209) 223-1162
JNyholm@eldoradosavings.com
Joni McSwane
Mortgage Loan Orginator
135 Main St
Jackson, CA 95638
(209) 223-1162
JMcSwane@eldoradosavings.com
Address
135 Main St
Jackson, CA
Contact
(209) 223-1162
Fax (301) 639-0804
DWalker@eldoradosavings.com
Address
135 Main St
Jackson, CA
Contact
(209) 223-1162
Fax (301) 639-0804
DBonneau@eldoradosavings.com
Address
135 Main St
Jackson, CA
Contact
(209) 223-1162
Fax (301) 639-0804
GSerna@eldoradosavings.com