Compare Today’s Refinance Rates for Middletown, California 95461
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Middletown, California 95461.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Middletown, California 95461. For 30-year amortization refinancing, you can expect lifetime cash savings of $4,961 or $14 per month in Middletown and other parts of Lake county.
Summary of Average Refinances in Middletown, California 95461
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Interactive Refinance Rate Projections for Middletown, California 95461
Pureloan has developed an interactive chart to monitor the five largest local lenders in Middletown, CA 95461, 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 Middletown, California 95461 from 2024 - 2016
The following historical data provides insights into refinancing trends in Middletown, California and the surrounding Lake 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 Middletown, California 95461
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Middletown, California 95461, 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 95461
(707) 695-6490
dhowdyshell@bayeq.com
Jamie Fejeran
Loan Orginator
936 3rd St
Crescent City, CA 95461
(707) 464-4145
JamieFejeran@tcbk.com
Sandra Ferguson
Loan Orginator
936 3rd St
Crescent City, CA 95461
(707) 464-4145
SandraFerguson@tcbk.com
Joseph Fontana
Loan Orginator
936 3rd St
Crescent City, CA 95461
(707) 464-4145
JosephFontana@tcbk.com
Gina Forbes
Loan Orginator
936 3rd St
Crescent City, CA 95461
(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