Compare Today’s Refinance Rates for Moss Landing, California 95039
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Moss Landing, California 95039.
With a 30-year amortization refinance in Moss Landing and surrounding areas of Monterey county, our calculations show that you can expect to save up to $10,689 over the lifetime of your mortgage, or a monthly savings of $30. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Moss Landing, California 95039.
Summary of Average Refinances in Moss Landing, California 95039
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Interactive Refinance Rate Projections for Moss Landing, California 95039
Pureloan has developed an interactive chart to monitor the five largest local lenders in Moss Landing, CA 95039, 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 Moss Landing, California 95039 from 2024 - 2016
The following historical data provides insights into refinancing trends in Moss Landing, California and the surrounding Monterey 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 Moss Landing, California 95039
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Moss Landing, California 95039, we have compiled a list of top refinance brokers to assist you in the process.
Rosi Medina
Mortgage Banker
494 Tres Pinos Rd
Hollister, CA 95039
(183) 190-2207
Rosi.Medina@Chase.com
Victoria Long
Mortgage Banker
20573 Stevens Creek Blvd
Cupertino, CA 95039
(140) 825-7743
Victoria.m.Long@Chase.com
Kitty Cheung
Mortgage Loan Officer
19620 Stevens Creek Blvd
Cupertino, CA 95039
(408) 572-1318
kitty.cheung@pncmortgage.com
Ash Singh
Loan Officer
1500 E Hamilton Ave Ste 215
Campbell, CA 95039
(408) 269-8500
AshVinSingh@gmail.com
Bryan Austen
Mortgage Banker
1875 S Bascom Ave Ste 114
Campbell, CA 95039
(140) 836-9157
Bryan.Austen@Chase.com
Address
494 Tres Pinos Rd
Hollister, CA
Contact
(183) 190-2207
Fax (301) 639-0804
Rosi.Medina@Chase.com
Address
20573 Stevens Creek Blvd
Cupertino, CA
Contact
(140) 825-7743
Fax (301) 639-0804
Victoria.m.Long@Chase.com
Address
19620 Stevens Creek Blvd
Cupertino, CA
Contact
(408) 572-1318
Fax (301) 639-0804
kitty.cheung@pncmortgage.com