Compare Today’s Refinance Rates for Paynes Creek, California 96075
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Paynes Creek, California 96075.
With a 30-year amortization refinance in Paynes Creek and surrounding areas of Tehama county, our calculations show that you can expect to save up to $4,743 over the lifetime of your mortgage, or a monthly savings of $13. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Paynes Creek, California 96075.
Summary of Average Refinances in Paynes Creek, California 96075
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Interactive Refinance Rate Projections for Paynes Creek, California 96075
Pureloan has developed an interactive chart to monitor the five largest local lenders in Paynes Creek, CA 96075, 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 Paynes Creek, California 96075 from 2024 - 2016
The following historical data provides insights into refinancing trends in Paynes Creek, California and the surrounding Tehama 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 | 91.67% | 67.31% | 70.68% | 70.42% | 75.95% | 69.89% | 64.15% | 66.59% | 66.98% |
| avg refi rate | 6.28% | 3.57% | 3.02% | 3.31% | 4.23% | 4.65% | 4.12% | 3.94% | 4.12% |
| % 15 year fixed refinance | 19.23% | 18.11% | 19.50% | 16.20% | 23.12% | 26.95% | 23.16% | 22.48% | |
| avg refi rate | 2.70% | 2.42% | 2.85% | 3.73% | 3.87% | 3.50% | 3.21% | 3.43% | |
| Avg credit score | 745.83 | 746.65 | 757.96 | 757.57 | 748.55 | 744.95 | 754.71 | 762.80 | 762.11 |
| Avg LTV (loan to value) | 61.58% | 57.86% | 64.60% | 68.79% | 70.31% | 68.17% | 67.84% | 69.73% | 70.66% |
| Avg DTI (debt to income) | 38.92 | 33.95 | 33.44 | 33.29 | 35.76 | 35.02 | 33.70 | 33.51 | 32.81 |
| Avg refinance insurance % | 6.67% | 0.66% | 1.56% | 2.50% | 3.40% | 3.06% | 2.79% | 3.76% | 4.55% |
Best Refinance Brokers around Paynes Creek, California 96075
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Paynes Creek, California 96075, we have compiled a list of top refinance brokers to assist you in the process.
Scarlett Taff
Loan officer
801 Main St
Red Bluff, CA 96075
(530) 529-7736
Scarlett.Taff@usbank.com
Lesa Harris
Senior Loan Originator
658 Rio Street
Red Bluff, CA 96075
(530) 529-0812
lesa.harris@primelending.com
Cindy Brown
Loan Officer
500 Luther Rd
Red Bluff , CA 96075
(530) 528-3060
Cindy.Brown@rabobank.com
Joseph Hurton
Loan Officer
500 Luther Rd
Red Bluff , CA 96075
(530) 528-3060
Joseph.Hurton@rabobank.com
Jean Loosemore
Mortgage Loan Officer
1855 Main St Unit B
Susanville, CA 96075
(209) 320-3400
jloosemore@summitfunding.net
Address
801 Main St
Red Bluff, CA
Contact
(530) 529-7736
Fax (301) 639-0804
Scarlett.Taff@usbank.com
Address
658 Rio Street
Red Bluff, CA
Contact
(530) 529-0812
Fax (301) 639-0804
lesa.harris@primelending.com
Address
500 Luther Rd
Red Bluff , CA
Contact
(530) 528-3060
Fax (301) 639-0804
Cindy.Brown@rabobank.com