Compare Today’s Refinance Rates for Raymond, California 93653
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Raymond, California 93653.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,906 over the lifetime of your mortgage, which translates to a monthly savings of $16 in Raymond and other areas of Madera county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
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Summary of Average Refinances in Raymond, California 93653
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Raymond, California 93653
Pureloan has developed an interactive chart to monitor the five largest local lenders in Raymond, CA 93653, 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 Raymond, California 93653 from 2024 - 2016
The following historical data provides insights into refinancing trends in Raymond, California and the surrounding Madera 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 | 91.30% | 70.38% | 75.72% | 79.04% | 82.07% | 76.06% | 75.38% | 78.41% | 78.67% |
| avg refi rate | 6.19% | 3.29% | 2.85% | 3.14% | 3.98% | 4.46% | 4.07% | 3.85% | 4.04% |
| % 15 year fixed refinance | 4.35% | 17.89% | 13.81% | 12.02% | 10.73% | 13.38% | 16.55% | 14.35% | 12.31% |
| avg refi rate | 5.63% | 2.53% | 2.33% | 2.66% | 3.39% | 3.82% | 3.28% | 3.13% | 3.28% |
| Avg credit score | 735.91 | 749.38 | 763.36 | 769.12 | 756.34 | 744.68 | 753.27 | 757.37 | 756.71 |
| Avg LTV (loan to value) | 52.61% | 53.45% | 59.17% | 62.42% | 67.77% | 65.34% | 65.04% | 64.48% | 66.78% |
| Avg DTI (debt to income) | 36.13 | 36.86 | 35.06 | 34.88 | 36.89 | 38.15 | 36.76 | 35.69 | 36.33 |
| Avg refinance insurance % | 2.35% | 0.57% | 1.28% | 1.70% | 3.15% | 2.18% | 1.74% | 1.60% | 1.94% |
Best Refinance Brokers around Raymond, California 93653
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Raymond, California 93653, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Veronica Barragan
Loan Officer
1015 G St
Reedley, CA 93653
(559) 638-3338
veronica@ccmloans.com
Elaine Loftis
Loan Officer
1015 G St
Reedley, CA 93653
(559) 638-3338
elaine@ccmloans.com
Rick Ammon
Senior Loan Officer
2630 Croydon Drive,
Sanger, CA 93653
(316) 554-2850
RAmmon@houseloan.com
Christopher Beahm
Senior Loan Officer
2630 Croydon Drive,
Sanger, CA 93653
(314) 995-9919
CBeahm@houseloan.com
Jack Buck
Senior Loan Officer
2630 Croydon Drive,
Sanger, CA 93653
(314) 995-9919
JBuck@houseloan.com
Address
1015 G St
Reedley, CA
Contact
(559) 638-3338
Fax (301) 639-0804
veronica@ccmloans.com
Address
1015 G St
Reedley, CA
Contact
(559) 638-3338
Fax (301) 639-0804
elaine@ccmloans.com
Address
2630 Croydon Drive,
Sanger, CA
Contact
(316) 554-2850
Fax (301) 639-0804
RAmmon@houseloan.com