Compare Today’s Refinance Rates for Manchester, California 95459
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Manchester, California 95459.
With a 30-year amortization refinance in Manchester and surrounding areas of Mendocino county, our calculations show that you can expect to save up to $8,238 over the lifetime of your mortgage, or a monthly savings of $23. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Manchester, California 95459.
Summary of Average Refinances in Manchester, California 95459
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Interactive Refinance Rate Projections for Manchester, California 95459
Pureloan has developed an interactive chart to monitor the five largest local lenders in Manchester, CA 95459, 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 Manchester, California 95459 from 2024 - 2016
The following historical data provides insights into refinancing trends in Manchester, California and the surrounding Mendocino 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 Manchester, California 95459
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Manchester, California 95459, we have compiled a list of top refinance brokers to assist you in the process.
Deb Howdyshell
Senior Loan Officer
19851 Hartmann Road, Unit C
Hidden Valley Lake, CA 95459
(707) 695-6490
dhowdyshell@bayeq.com
Jamie Fejeran
Loan Orginator
936 3rd St
Crescent City, CA 95459
(707) 464-4145
JamieFejeran@tcbk.com
Sandra Ferguson
Loan Orginator
936 3rd St
Crescent City, CA 95459
(707) 464-4145
SandraFerguson@tcbk.com
Joseph Fontana
Loan Orginator
936 3rd St
Crescent City, CA 95459
(707) 464-4145
JosephFontana@tcbk.com
Gina Forbes
Loan Orginator
936 3rd St
Crescent City, CA 95459
(707) 464-4145
GinaForbes@tcbk.com
Address
19851 Hartmann Road, Unit C
Hidden Valley Lake, CA
Contact
(707) 695-6490
Fax (301) 639-0804
dhowdyshell@bayeq.com
Address
936 3rd St
Crescent City, CA
Contact
(707) 464-4145
Fax (301) 639-0804
JamieFejeran@tcbk.com
Address
936 3rd St
Crescent City, CA
Contact
(707) 464-4145
Fax (301) 639-0804
SandraFerguson@tcbk.com