Compare Today’s Refinance Rates for Oceanside, California

Pureloan’s engine analyzes refinance lenders to give you the best real-time home refi rates for Oceanside, California 92054. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing in Oceanside and surrounding areas of San Diego county, your expected lifetime cash savings are $10,535 or $29 / month.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Oceanside, California 92054.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Oceanside, California 92054

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Customized Refinance Rate Projections for Oceanside, CA

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Oceanside, CA 92054, 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 Oceanside, CA

Refinance Rates for Oceanside, California 92054 from 2013 - 2020

Below are historical data on refinancing in Oceanside, California and around San Diego 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 70.15% 67.03% 71.32% 76.97% 80.16% 79.72% 79.05% 74.77%
avg refi rate 4.84% 4.52% 3.88% 3.74% 4.45% 4.05% 3.83% 3.97%
% 15 year fixed refinance 22.17% 23.38% 21.44% 18.00% 13.76% 14.17% 14.34% 18.49%
avg refi rate 4.26% 3.84% 3.28% 3.05% 3.54% 3.26% 3.11% 3.13%
Avg credit score 774.20 774.45 777.97 770.24 752.92 758.49 758.68 754.69
Avg LTV (loan to value) 56.20% 58.01% 58.80% 62.12% 67.64% 65.82% 63.38% 61.15%
Avg DTI (debt to income) 33.23 33.18 31.98 33.14 35.62 35.36 35.48 35.93
Avg refinance insurance % 0.30% 0.68% 0.76% 1.45% 2.16% 2.00% 1.86% 1.67%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Oceanside, California 92054

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Oceanside, California 92054, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Andreas Nagy

Loan Officer

2426 Vista Way, Suite 105

Oceanside, CA 92054

(415) 297-4104

andreas@pchmortgage.com

Kelli Shull

Loan Officer

2424 Vista Way, Suite 105

Oceanside, CA 92054

(760) 533-6105

kelli@pchmortgage.com

Mark OToole

President and Broker

2424 Vista Way Suite105

Oceanside, CA 92054

(760) 805-2040

mark@pchmortgage.com

Lisa Bowers

Mortgage Banker

3748 Mission Ave

Oceanside, CA 92054

(760) 967-2601

Lisa.K.Bowers@chase.com

Yvette Mercado

Home Mortgage Consultant

2420 Vista Way

Oceanside, CA 92054

(760) 754-6517

Yvette.Mercado@wellsfargo.com

Address

2426 Vista Way, Suite 105

Oceanside, CA

Contact

(415) 297-4104

Fax (301) 639-0804

andreas@pchmortgage.com

Address

2424 Vista Way, Suite 105

Oceanside, CA

Contact

(760) 533-6105

Fax (301) 639-0804

kelli@pchmortgage.com

Address

2424 Vista Way Suite105

Oceanside, CA

Contact

(760) 805-2040

Fax (301) 639-0804

mark@pchmortgage.com

Refinancing News for Oceanside, California 92054