Compare Today’s Refinance Rates for Hilmar, California 95324
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Hilmar, California 95324.
With a 30-year amortization refinance in Hilmar and surrounding areas of Merced county, our calculations show that you can expect to save up to $5,548 over the lifetime of your mortgage, or a monthly savings of $15. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Hilmar, California 95324.
Summary of Average Refinances in Hilmar, California 95324
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Interactive Refinance Rate Projections for Hilmar, California 95324
Pureloan has developed an interactive chart to monitor the five largest local lenders in Hilmar, CA 95324, 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 Hilmar, California 95324 from 2024 - 2016
The following historical data provides insights into refinancing trends in Hilmar, California and the surrounding Merced 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 Hilmar, California 95324
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Hilmar, California 95324, we have compiled a list of top refinance brokers to assist you in the process.
Tara Durland
Loan Officer
18543 Main St
Groveland , CA 95324
(209) 436-1800
Tara.Durland@rabobank.com
Diann Hansen
Loan Officer
299 E 20th St
Merced, CA 95324
(303) 933-5211
DH@ProFileHomeLoans.com
Bob Sullivan
Mortgage Consultant
3321 G St Ste B
Merced, CA 95324
(209) 384-4200
bob.sullivan@icitymortgage.com
Christopher Johnson
Home Mortgage Consultant
3538 G St
Merced, CA 95324
(209) 381-7890
cj.Johnson@wellsfargo.com
Leticia Galindo
Home Mortgage Consultant
3538 G St
Merced, CA 95324
(209) 381-7890
Leticia.V.Galindo@wellsfargo.com
Address
18543 Main St
Groveland , CA
Contact
(209) 436-1800
Fax (301) 639-0804
Tara.Durland@rabobank.com
Address
299 E 20th St
Merced, CA
Contact
(303) 933-5211
Fax (301) 639-0804
DH@ProFileHomeLoans.com
Address
3321 G St Ste B
Merced, CA
Contact
(209) 384-4200
Fax (301) 639-0804
bob.sullivan@icitymortgage.com