Compare Today’s Refinance Rates for Sacramento, California 94263
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Sacramento, California 94263.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,539 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Sacramento 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 Sacramento, California 94263
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Interactive Refinance Rate Projections for Sacramento, California 94263
Pureloan has developed an interactive chart to monitor the five largest local lenders in Sacramento, CA 94263, 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 Sacramento, California 94263 from 2024 - 2016
The following historical data provides insights into refinancing trends in Sacramento, 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 | 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 Sacramento, California 94263
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Sacramento, California 94263, we have compiled a list of top refinance brokers to assist you in the process.
Keith Lyles
Loan Officer
4768 J Street
Sacramento, CA 94263
(916) 454-4800
klyles@eldoradosavings.com
Dakila Cabrera
Loan Officer
6130 Freeport Blvd, Ste 206
Sacramento, CA 94263
(707) 208-4824
dcabrera@goprime.com
Winston Khan
Loan Officer
6130 Freeport Blvd, Ste 206
Sacramento, CA 94263
(916) 758-2176
wkhan@goprime.com
Neal Smith
Mortgage Advisor
818 University Ave.
Sacramento, CA 94263
(916) 736-3575
neal.smith@pcmloan.com
Paras Singh
Loan Officer
1537 Howe Ave #218
Sacramento, CA 94263
(925) 967-5454
psingh@patelco.org
Address
4768 J Street
Sacramento, CA
Contact
(916) 454-4800
Fax (301) 639-0804
klyles@eldoradosavings.com
Address
6130 Freeport Blvd, Ste 206
Sacramento, CA
Contact
(707) 208-4824
Fax (301) 639-0804
dcabrera@goprime.com
Address
6130 Freeport Blvd, Ste 206
Sacramento, CA
Contact
(916) 758-2176
Fax (301) 639-0804
wkhan@goprime.com