Compare Today’s Refinance Rates for Modesto, California

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Modesto, California 95397. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Modesto and surrounding areas of Stanislaus county, expected lifetime cash savings are $7,873 or $22 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Modesto, California 95397.

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Summary of Average Refinance Terms in Modesto, California 95397

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Modesto, California 95397 from 2012 - 2019

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.

2012 2013 2014 2015 2016 2017 2018 2019
% 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 95397

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Modesto, California 95397, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Steven Silveira

AVP

1124 J Street

Modesto, CA 95397

Steven.Silveira@unionbank.com

Sara Willis

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95397

(209) 491-3818

swillis@scenicoaks.com

Joni Van Deelen

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95397

(559) 960-6929

joni@scenicoaks.com

Glenn Ramos

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95397

gramos@scenicoaks.com

Jonas Pritchard

Loan Officer

1156 Scenic Drive, Suite 200

Modesto, CA 95397

(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 95397