Compare Today’s Refinance Rates for Los Altos, California 94022
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Los Altos, California 94022.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $253,090 over the lifetime of your mortgage, which translates to a monthly savings of $703 in Los Altos and other areas of Santa Clara 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 Altos, California 94022
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Interactive Refinance Rate Projections for Los Altos, California 94022
Pureloan has developed an interactive chart to monitor the five largest local lenders in Los Altos, CA 94022, 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 Altos, California 94022 from 2024 - 2016
The following historical data provides insights into refinancing trends in Los Altos, California and the surrounding Santa Clara 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 | 92.31% | 62.20% | 68.35% | 70.25% | 71.99% | 71.03% | 64.57% | 69.40% | 74.39% |
avg refi rate | 6.10% | 3.26% | 2.84% | 3.10% | 4.01% | 4.43% | 4.00% | 3.80% | 3.97% |
% 15 year fixed refinance | 24.88% | 22.56% | 21.26% | 19.74% | 21.81% | 28.59% | 24.60% | 19.77% | |
avg refi rate | 2.54% | 2.36% | 2.67% | 3.49% | 3.81% | 3.24% | 3.05% | 3.20% | |
Avg credit score | 779.23 | 769.56 | 778.03 | 779.04 | 765.36 | 761.83 | 762.64 | 767.30 | 767.08 |
Avg LTV (loan to value) | 35.38% | 35.15% | 38.66% | 41.97% | 40.98% | 39.62% | 42.67% | 43.14% | 50.23% |
Avg DTI (debt to income) | 39.38 | 35.19 | 33.13 | 32.46 | 35.12 | 36.09 | 34.88 | 34.51 | 34.24 |
Avg refinance insurance % | 0.14% | 0.12% | 0.08% | 0.14% | 0.04% | 0.11% | 0.07% | 0.19% |
Best Refinance Brokers around Los Altos, California 94022
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Los Altos, California 94022, we have compiled a list of top refinance brokers to assist you in the process.
Kimmie Vo
Mortgage Banker
199 Main St
Los Altos, CA 94022
(40) 862-7151
Kimmie.Vo@chase.com
Liz Park
Home Mortgage Consultant
495 S San Antonio Rd
Los Altos, CA 94022
(650) 559-2018
lpark@wellsfargo.com
Joseph Ho
Home Mortgage Consultant
495 S San Antonio Rd
Los Altos, CA 94022
(650) 559-2018
Joseph.H.Ho@wellsfargo.com
Jennifer Mock
Home Mortgage Consultant
495 S San Antonio Rd
Los Altos, CA 94022
(650) 559-2018
Jennifer.M.Mock@wellsfargo.com
Hoang Huynh
Home Mortgage Consultant
495 S San Antonio Rd
Los Altos, CA 94022
(650) 559-2018
Hoang.Huynh@wellsfargo.com
Address
199 Main St
Los Altos, CA
Contact
(40) 862-7151
Fax (301) 639-0804
Kimmie.Vo@chase.com
Address
495 S San Antonio Rd
Los Altos, CA
Contact
(650) 559-2018
Fax (301) 639-0804
lpark@wellsfargo.com
Address
495 S San Antonio Rd
Los Altos, CA
Contact
(650) 559-2018
Fax (301) 639-0804
Joseph.H.Ho@wellsfargo.com