Compare Today’s Refinance Rates for Penn Valley, California 95946
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Penn Valley, California 95946.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Penn Valley, California 95946. For 30-year amortization refinancing, you can expect lifetime cash savings of $6,406 or $18 per month in Penn Valley and other parts of Nevada county.
Summary of Average Refinances in Penn Valley, California 95946
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Interactive Refinance Rate Projections for Penn Valley, California 95946
Pureloan has developed an interactive chart to monitor the five largest local lenders in Penn Valley, CA 95946, 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 Penn Valley, California 95946 from 2024 - 2016
The following historical data provides insights into refinancing trends in Penn Valley, California and the surrounding Nevada 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 Penn Valley, California 95946
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Penn Valley, California 95946, we have compiled a list of top refinance brokers to assist you in the process.
Leah Courant
Loan consultant
10137 Commercial Ave.
Penn Valley, CA 95946
(530) 802-8198
lcourant@evergreenhomeloans.com
Cristina Husa
Loan Officer
14001 Lakeridge Circle
Magalia , CA 95946
(530) 873-6854
Cristina.Husa@rabobank.com
Michael Powell
Loan Officer
1263 Esplanade
Chico, CA 95946
(530) 680-4672
mpowell@lhfinancial.com
Amy Briscoe
Loan Orginator
146 W East Ave
Chico, CA 95946
(530) 898-0380
AmyBriscoe@tcbk.com
Gloria Brown
Loan Orginator
146 W East Ave
Chico, CA 95946
(530) 898-0380
GloriaBrown@tcbk.com
Address
10137 Commercial Ave.
Penn Valley, CA
Contact
(530) 802-8198
Fax (301) 639-0804
lcourant@evergreenhomeloans.com
Address
14001 Lakeridge Circle
Magalia , CA
Contact
(530) 873-6854
Fax (301) 639-0804
Cristina.Husa@rabobank.com
Address
1263 Esplanade
Chico, CA
Contact
(530) 680-4672
Fax (301) 639-0804
mpowell@lhfinancial.com