Compare Today’s Refinance Rates for Rutherford, California 94573
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Rutherford, California 94573.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $114,299 over the lifetime of your mortgage, which translates to a monthly savings of $317 in Rutherford and other areas of Napa 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 Rutherford, California 94573
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Interactive Refinance Rate Projections for Rutherford, California 94573
Pureloan has developed an interactive chart to monitor the five largest local lenders in Rutherford, CA 94573, 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 Rutherford, California 94573 from 2024 - 2016
The following historical data provides insights into refinancing trends in Rutherford, California and the surrounding Napa 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 | 88.24% | 68.47% | 74.24% | 74.96% | 81.59% | 76.80% | 72.51% | 72.92% | 75.62% |
avg refi rate | 6.29% | 3.34% | 2.85% | 3.13% | 4.04% | 4.48% | 4.04% | 3.84% | 4.02% |
% 15 year fixed refinance | 8.82% | 19.69% | 16.99% | 16.61% | 11.62% | 16.01% | 20.62% | 20.36% | 17.37% |
avg refi rate | 5.46% | 2.54% | 2.33% | 2.67% | 3.45% | 3.80% | 3.27% | 3.08% | 3.26% |
Avg credit score | 749.53 | 761.15 | 767.10 | 771.32 | 756.05 | 747.69 | 751.67 | 759.23 | 759.92 |
Avg LTV (loan to value) | 53.40% | 49.90% | 55.09% | 57.55% | 62.97% | 57.20% | 57.90% | 57.74% | 61.46% |
Avg DTI (debt to income) | 39.12 | 35.46 | 33.29 | 32.92 | 35.78 | 36.41 | 35.45 | 34.09 | 34.35 |
Avg refinance insurance % | 0.35% | 0.61% | 0.88% | 1.26% | 2.72% | 1.24% | 1.36% | 0.99% | 1.18% |
Best Refinance Brokers around Rutherford, California 94573
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Rutherford, California 94573, we have compiled a list of top refinance brokers to assist you in the process.
Cesar Pulido
Mortgage Loan Officer
1601 E 14th St
San Leandro, CA 94573
(510) 614-5792
Cesar.Pulido@Chase.com
Edwin Hartough
Home Mortgage Consultant
1298 E 14th St Fl 2ND
San Leandro, CA 94573
(510) 618-4562
Edwin.H.Hartough@wellsfargo.com
Patricia Torres
Home Mortgage Consultant
1298 E 14th St Fl 2ND
San Leandro, CA 94573
(510) 618-4562
patricia.g.torres@wellsfargo.com
Alma Robles
Home Mortgage Consultant
1298 E 14th St Fl 2ND
San Leandro, CA 94573
(510) 618-4562
Alma.D.Robles@wellsfargo.com
Jagjiwan Bhangu
Home Mortgage Consultant
1298 E 14th St Fl 2ND
San Leandro, CA 94573
(510) 618-4562
Jagjiwan.Bhangu@wellsfargo.com
Address
1601 E 14th St
San Leandro, CA
Contact
(510) 614-5792
Fax (301) 639-0804
Cesar.Pulido@Chase.com
Address
1298 E 14th St Fl 2ND
San Leandro, CA
Contact
(510) 618-4562
Fax (301) 639-0804
Edwin.H.Hartough@wellsfargo.com
Address
1298 E 14th St Fl 2ND
San Leandro, CA
Contact
(510) 618-4562
Fax (301) 639-0804
patricia.g.torres@wellsfargo.com