Compare Today’s Refinance Rates for Ryde, California 95680
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ryde, California 95680.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $7,359 over the lifetime of your mortgage, which translates to a monthly savings of $20 in Ryde and other areas of Sacramento 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 Ryde, California 95680
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Interactive Refinance Rate Projections for Ryde, California 95680
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ryde, CA 95680, 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 Ryde, California 95680 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ryde, California and the surrounding Sacramento 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 Ryde, California 95680
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ryde, California 95680, we have compiled a list of top refinance brokers to assist you in the process.
Amber Bennett
Mortgage Loan Orginator
460 State Highway 49
Sutter Creek, CA 95680
(209) 267-5266
ABennett@eldoradosavings.com
Cindy Hamilton
Mortgage Loan Orginator
460 State Highway 49
Sutter Creek, CA 95680
(209) 267-5266
CHamilton@eldoradosavings.com
David Crofut
Branch Manager
3420 Coach Ln
Shingle Springs, CA 95680
(530) 683-4035
davec@lhfinancial.com
Leo Pacheco
Assistant Mgr
3420 Coach Ln
Shingle Springs, CA 95680
(530) 683-4043
lpacheco@lhfinancial.com
Doyle Folmer
Loan Officer
3977 Durock Rd Ste 203
Shingle Springs, CA 95680
(530) 677-2267
doyle@normfi.com
Address
460 State Highway 49
Sutter Creek, CA
Contact
(209) 267-5266
Fax (301) 639-0804
ABennett@eldoradosavings.com
Address
460 State Highway 49
Sutter Creek, CA
Contact
(209) 267-5266
Fax (301) 639-0804
CHamilton@eldoradosavings.com
Address
3420 Coach Ln
Shingle Springs, CA
Contact
(530) 683-4035
Fax (301) 639-0804
davec@lhfinancial.com