Compare Today’s Refinance Rates for Modesto, California 95350
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Modesto, California 95350.
With a 30-year amortization refinance in Modesto and surrounding areas of Stanislaus county, our calculations show that you can expect to save up to $5,727 over the lifetime of your mortgage, or a monthly savings of $16. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Modesto, California 95350.
Summary of Average Refinances in Modesto, California 95350
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Interactive Refinance Rate Projections for Modesto, California 95350
Pureloan has developed an interactive chart to monitor the five largest local lenders in Modesto, CA 95350, 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 Modesto, California 95350 from 2024 - 2016
The following historical data provides insights into refinancing trends in Modesto, California and the surrounding Stanislaus 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 Modesto, California 95350
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Modesto, California 95350, we have compiled a list of top refinance brokers to assist you in the process.
Steven Silveira
AVP
1124 J Street
Modesto, CA 95350
Steven.Silveira@unionbank.com
Sara Willis
Loan Officer
1156 Scenic Drive, Suite 200
Modesto, CA 95350
(209) 491-3818
swillis@scenicoaks.com
Joni Van Deelen
Loan Officer
1156 Scenic Drive, Suite 200
Modesto, CA 95350
(559) 960-6929
joni@scenicoaks.com
Glenn Ramos
Loan Officer
1156 Scenic Drive, Suite 200
Modesto, CA 95350
gramos@scenicoaks.com
Jonas Pritchard
Loan Officer
1156 Scenic Drive, Suite 200
Modesto, CA 95350
(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