Compare Today’s Refinance Rates for Los Alamos, California 93440
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Los Alamos, California 93440.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $9,207 over the lifetime of your mortgage, which translates to a monthly savings of $26 in Los Alamos and other areas of Santa Barbara 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 Los Alamos, California 93440
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Interactive Refinance Rate Projections for Los Alamos, California 93440
Pureloan has developed an interactive chart to monitor the five largest local lenders in Los Alamos, CA 93440, 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 Los Alamos, California 93440 from 2024 - 2016
The following historical data provides insights into refinancing trends in Los Alamos, California and the surrounding Santa Barbara 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 Los Alamos, California 93440
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Los Alamos, California 93440, we have compiled a list of top refinance brokers to assist you in the process.
Chrissy Hartley
Loan officer
1305 Vine St
Paso Robles, CA 93440
(805) 226-5550
chrissy@kdcapmtg.com
Kimberly Rivas
Loan officer
1305 Vine St
Paso Robles, CA 93440
(805) 226-5550
kim@kdcapmtg.com
Joel Lester-Balaris
Home Mortgage Consultant
612 12th St
Paso Robles, CA 93440
(805) 237-4070
Joel.Balaris@wellsfargo.com
Brenda Mcadams
Home Mortgage Consultant
612 12th St
Paso Robles, CA 93440
(805) 237-4070
brenda.mcadams@wellsfargo.com
Hugh Dugan
Loan Officer
724 Spring St
Paso Robles, CA 93440
(805) 238-3516
hugh@spinnakerfinancial.net
Address
1305 Vine St
Paso Robles, CA
Contact
(805) 226-5550
Fax (301) 639-0804
chrissy@kdcapmtg.com
Address
1305 Vine St
Paso Robles, CA
Contact
(805) 226-5550
Fax (301) 639-0804
kim@kdcapmtg.com
Address
612 12th St
Paso Robles, CA
Contact
(805) 237-4070
Fax (301) 639-0804
Joel.Balaris@wellsfargo.com