Compare Today’s Refinance Rates for Modesto, California

Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Modesto, California 95355. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Modesto and other areas of Stanislaus county, expected lifetime cash savings are $5,109 or $14 / month.

For Modesto, California 95355, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Modesto, California 95355

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Modesto, CA

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Modesto, CA 95355, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Local Refinance Rates for Modesto, CA

Refinance Rates for Modesto, California 95355 from 2013 - 2020

Below are historical data on refinancing in Modesto, California and around Stanislaus county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed refinance 66.06% 60.51% 69.14% 70.00% 78.26% 77.04% 72.29% 65.99%
avg refi rate 4.87% 4.49% 3.86% 3.73% 4.44% 4.02% 3.82% 3.94%
% 15 year fixed refinance 26.25% 29.49% 25.40% 24.15% 18.05% 18.62% 22.31% 24.35%
avg refi rate 4.28% 3.80% 3.23% 2.97% 3.49% 3.21% 3.03% 3.19%
Avg credit score 776.79 777.56 778.71 773.69 758.43 762.41 762.78 759.96
Avg LTV (loan to value) 50.58% 51.23% 53.72% 53.82% 60.28% 56.84% 51.55% 49.47%
Avg DTI (debt to income) 32.36 32.00 31.39 32.13 35.10 34.54 33.94 34.87
Avg refinance insurance % 0.10% 0.19% 0.31% 0.48% 0.89% 0.74% 0.54% 0.65%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Modesto, California 95355

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Modesto, California 95355, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Steven Silveira

AVP

1124 J Street

Modesto, CA 95355

Steven.Silveira@unionbank.com

Sara Willis

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95355

(209) 491-3818

swillis@scenicoaks.com

Joni Van Deelen

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95355

(559) 960-6929

joni@scenicoaks.com

Glenn Ramos

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95355

gramos@scenicoaks.com

Jonas Pritchard

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95355

(209) 572-2301

jpritchard@scenicoaks.com

Address

1124 J Street

Modesto, CA

Contact

Fax (301) 639-0804

Steven.Silveira@unionbank.com

Address

1156 Scenic Drive, Suite 200

Modesto, CA

Contact

(209) 491-3818

Fax (301) 639-0804

swillis@scenicoaks.com

Address

1156 Scenic Drive, Suite 200

Modesto, CA

Contact

(559) 960-6929

Fax (301) 639-0804

joni@scenicoaks.com

Refinancing News for Modesto, California 95355