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.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

35.6225 -117.67 38780

Summary of Average Refinances in Ridgecrest, California 93556

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Refinance Rate Projections for Ridgecrest, California 93556

Source: Fannie Mae and Freddie Mac


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.

Local Refinance Rates in Ridgecrest, California 93556

Ridgecrest is a city in Kern County, California, United States, along U.S. Route 395 in the Indian Wells Valley in northeastern Kern County, adjacent to the Naval Air Weapons Station China Lake. It was incorporated as a city in 1963. The population was 27,959 at the 2020 census, up slightly from 27,616 at the 2010 census. Read more

Ridgecrest is a city in Kern County, California, United States, along U.S. Route 395 in the Indian Wells Valley in northeastern Kern County, adjacent to the Naval Air Weapons Station China Lake. It was incorporated as a city in 1963. The population was 27,959 at the 2020 census, up slightly from 27,616 at the 2010 census.

Ridgecrest is surrounded by four mountain ranges; the Sierra Nevada on the west, the Cosos on the north, the Argus Range on the east, and the El Paso Mountains on the south. It is approximately 82 miles from the Lancaster/Palmdale area, 110 miles from Bakersfield, and 120 miles from San Bernardino, the three nearest major urban centers. Private air travel in and out of the city is provided through the Inyokern Airport. There are currently no scheduled commercial flights.

The city has been near the epicenter of major earthquakes, including one in 1995 and a series of quakes in July 2019. Read less

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%

Source: Financial Report of the US Government

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.

Name
Address
Contact

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

Refinancing News for Ridgecrest, California 93556

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