Compare Today’s Refinance Rates for Irvine, California 92603
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Irvine, California 92603.
With a 30-year amortization refinance in Irvine and surrounding areas of Orange county, our calculations show that you can expect to save up to $15,770 over the lifetime of your mortgage, or a monthly savings of $44. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Irvine, California 92603.
Summary of Average Refinances in Irvine, California 92603
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Interactive Refinance Rate Projections for Irvine, California 92603
Pureloan has developed an interactive chart to monitor the five largest local lenders in Irvine, CA 92603, 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 Irvine, California 92603 from 2024 - 2016
The following historical data provides insights into refinancing trends in Irvine, California and the surrounding Orange 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 | 96.00% | 73.42% | 76.44% | 77.36% | 82.50% | 78.80% | 75.88% | 78.82% | 79.91% |
avg refi rate | 6.31% | 3.29% | 2.82% | 3.08% | 3.96% | 4.42% | 4.04% | 3.81% | 4.00% |
% 15 year fixed refinance | 4.00% | 16.26% | 15.61% | 14.73% | 11.25% | 14.85% | 17.74% | 15.41% | 14.45% |
avg refi rate | 5.88% | 2.55% | 2.29% | 2.59% | 3.35% | 3.72% | 3.20% | 3.04% | 3.24% |
Avg credit score | 753.64 | 764.88 | 772.09 | 774.92 | 763.59 | 752.07 | 756.04 | 761.81 | 761.24 |
Avg LTV (loan to value) | 51.12% | 49.81% | 54.41% | 56.61% | 62.28% | 56.20% | 58.58% | 59.85% | 61.92% |
Avg DTI (debt to income) | 37.76 | 37.97 | 34.57 | 33.91 | 36.54 | 37.52 | 36.22 | 35.46 | 35.64 |
Avg refinance insurance % | 0.26% | 0.80% | 0.92% | 2.04% | 1.42% | 1.16% | 1.14% | 0.92% |
Best Refinance Brokers around Irvine, California 92603
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Irvine, California 92603, we have compiled a list of top refinance brokers to assist you in the process.
Matthew Malmberg
Loan officer
18100 Von Karman Ave., Suite 350
Irvine, CA 92603
(949) 438-2100
matthew.malmberg@nflp.com
Brandon Bandura
Loan officer
18100 Von Karman Ave., Suite 350
Irvine, CA 92603
(949) 386-1945
brandon.bandura@nflp.com
VivVivian St. Clair
Executive Assistant
2211 Michelson Dr
Irvine, CA 92603
(949) 630-0230
vstclair@vatreni.com
LRLa Ray Reed
Senior Loan Processor
2211 Michelson Dr
Irvine, CA 92603
(949) 630-0230
lreed@vatreni.com
Joel Kelner
Managing Partner
2211 Michelson Dr
Irvine, CA 92603
(949) 378-2218
jkelner@vatreni.com
Address
18100 Von Karman Ave., Suite 350
Irvine, CA
Contact
(949) 438-2100
Fax (301) 639-0804
matthew.malmberg@nflp.com
Address
18100 Von Karman Ave., Suite 350
Irvine, CA
Contact
(949) 386-1945
Fax (301) 639-0804
brandon.bandura@nflp.com
Address
2211 Michelson Dr
Irvine, CA
Contact
(949) 630-0230
Fax (301) 639-0804
vstclair@vatreni.com