Compare Today’s Refinance Rates for Independence, California 93526
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Independence, California 93526.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,530 over the lifetime of your mortgage, which translates to a monthly savings of $21 in Independence and other areas of Inyo 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 Independence, California 93526
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Interactive Refinance Rate Projections for Independence, California 93526
Pureloan has developed an interactive chart to monitor the five largest local lenders in Independence, CA 93526, 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 Independence, California 93526 from 2024 - 2016
The following historical data provides insights into refinancing trends in Independence, California and the surrounding Inyo 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 Independence, California 93526
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Independence, California 93526, we have compiled a list of top refinance brokers to assist you in the process.
Angela Castellanos
Home Mortgage Consultant
1212 W Avenue J Ste 200
Lancaster, CA 93526
(661) 945-3682
angela.v.castellanos@wellsfargo.com
Alfredo Ornelas
Home Mortgage Consultant
1212 W Avenue J Ste 200
Lancaster, CA 93526
(661) 945-3682
Alfredo.Ornelas@Wellsfargo.com
Jamie Smith
Home Mortgage Consultant
1212 W Avenue J Ste 200
Lancaster, CA 93526
(661) 945-3682
Jamie.D.Smith@wellsfargo.com
Donna Kreig
Loan Officer
830 West Avenue L suite 133 & 135
Lancaster, CA 93526
(661) 223-5900
dkreig@guildmortgage.net
Craig McConnachie
Branch Manager
830 West Avenue L suite 133 & 135
Lancaster, CA 93526
(661) 223-5900
craigm@guildmortgage.net
Address
1212 W Avenue J Ste 200
Lancaster, CA
Contact
(661) 945-3682
Fax (301) 639-0804
angela.v.castellanos@wellsfargo.com
Address
1212 W Avenue J Ste 200
Lancaster, CA
Contact
(661) 945-3682
Fax (301) 639-0804
Alfredo.Ornelas@Wellsfargo.com
Address
1212 W Avenue J Ste 200
Lancaster, CA
Contact
(661) 945-3682
Fax (301) 639-0804
Jamie.D.Smith@wellsfargo.com