Compare Today’s Refinance Rates for Napa, California 94581
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Napa, California 94581.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Napa, California 94581. For 30-year amortization refinancing, you can expect lifetime cash savings of $12,266 or $34 per month in Napa and other parts of Napa county.
Summary of Average Refinances in Napa, California 94581
Become a certified mortgage expert on Pureloan.com
in Napa, California 94581
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Napa, California 94581
Pureloan has developed an interactive chart to monitor the five largest local lenders in Napa, CA 94581, 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 Napa, California 94581 from 2024 - 2016
The following historical data provides insights into refinancing trends in Napa, California and the surrounding Napa 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 | 88.24% | 68.47% | 74.24% | 74.96% | 81.59% | 76.80% | 72.51% | 72.92% | 75.62% |
avg refi rate | 6.29% | 3.34% | 2.85% | 3.13% | 4.04% | 4.48% | 4.04% | 3.84% | 4.02% |
% 15 year fixed refinance | 8.82% | 19.69% | 16.99% | 16.61% | 11.62% | 16.01% | 20.62% | 20.36% | 17.37% |
avg refi rate | 5.46% | 2.54% | 2.33% | 2.67% | 3.45% | 3.80% | 3.27% | 3.08% | 3.26% |
Avg credit score | 749.53 | 761.15 | 767.10 | 771.32 | 756.05 | 747.69 | 751.67 | 759.23 | 759.92 |
Avg LTV (loan to value) | 53.40% | 49.90% | 55.09% | 57.55% | 62.97% | 57.20% | 57.90% | 57.74% | 61.46% |
Avg DTI (debt to income) | 39.12 | 35.46 | 33.29 | 32.92 | 35.78 | 36.41 | 35.45 | 34.09 | 34.35 |
Avg refinance insurance % | 0.35% | 0.61% | 0.88% | 1.26% | 2.72% | 1.24% | 1.36% | 0.99% | 1.18% |
Best Refinance Brokers around Napa, California 94581
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Napa, California 94581, we have compiled a list of top refinance brokers to assist you in the process.
Stephen Smith
Mortgage Advisor
1812 Jefferson Street
Napa, CA 94581
(707) 222-4333
stephen.smith@pcmloan.com
Timothy Olson
Mortgage Advisor
1812 Jefferson Street
Napa, CA 94581
(707) 222-4333
tim.olson@pcmloan.com
Brian Morrow
Mortgage Advisor
1812 Jefferson Street
Napa, CA 94581
(415) 310-5586
bmorrow@pcmloan.com
Deanna Stein
Mortgage Advisor
1812 Jefferson Street
Napa, CA 94581
(707) 222-4333
dstein@pcmloan.com
Nashelli Greenfield
Loan Officer
2001 Jefferson St Ste A
Napa, CA 94581
(707) 225-7187
Nashelli.Greenfield@homestreet.com
Address
1812 Jefferson Street
Napa, CA
Contact
(707) 222-4333
Fax (301) 639-0804
stephen.smith@pcmloan.com
Address
1812 Jefferson Street
Napa, CA
Contact
(707) 222-4333
Fax (301) 639-0804
tim.olson@pcmloan.com
Address
1812 Jefferson Street
Napa, CA
Contact
(415) 310-5586
Fax (301) 639-0804
bmorrow@pcmloan.com