Compare Today’s Refinance Rates for Ridgecrest, California 93556
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ridgecrest, California 93556.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,530 over the lifetime of your mortgage, which translates to a monthly savings of $21 in Ridgecrest and other areas of Kern 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.
Summary of Average Refinances in Ridgecrest, California 93556
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Interactive Refinance Rate Projections for Ridgecrest, California 93556
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ridgecrest, CA 93556, 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 Ridgecrest, California 93556 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ridgecrest, California and the surrounding Kern 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 Ridgecrest, California 93556
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ridgecrest, California 93556, we have compiled a list of top refinance brokers to assist you in the process.
Tamera Roulund
Loan officer
509 W Ward Ave Suite C
Ridgecrest, CA 93556
(760) 446-7895
troulund@guildmortgage.com
Susan Henderson
Mortgage Loan Orginator
234 Balsam St
Ridgecrest, CA 93556
(888) 842-6328
Susan_Henderson@navyfederal.org
Robert Kurugian
Branch Manager
Address: 112 South Robinson St
Tehachapi, CA 93556
(661) 823-8383
robert.kurugian@academymortgage.com
Joe Almirantearena
Loan officer
1416 Clovis Ave
Clovis, CA 93556
(800) 785-4952
info@findmyloanonline.com
David Barr
Loan Officer
96 Shaw Ave Ste 205
Clovis, CA 93556
(559) 322-5005
David@allaccessca.com
Address
509 W Ward Ave Suite C
Ridgecrest, CA
Contact
(760) 446-7895
Fax (301) 639-0804
troulund@guildmortgage.com
Address
234 Balsam St
Ridgecrest, CA
Contact
(888) 842-6328
Fax (301) 639-0804
Susan_Henderson@navyfederal.org
Address
Address: 112 South Robinson St
Tehachapi, CA
Contact
(661) 823-8383
Fax (301) 639-0804
robert.kurugian@academymortgage.com