Compare Today’s Refinance Rates for San Jose, California 95132
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in San Jose, California 95132.
With a 30-year amortization refinance in San Jose and surrounding areas of Santa Clara county, our calculations show that you can expect to save up to $17,523 over the lifetime of your mortgage, or a monthly savings of $49. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for San Jose, California 95132.
Summary of Average Refinances in San Jose, California 95132
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Interactive Refinance Rate Projections for San Jose, California 95132
Pureloan has developed an interactive chart to monitor the five largest local lenders in San Jose, CA 95132, 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 San Jose, California 95132 from 2024 - 2016
The following historical data provides insights into refinancing trends in San Jose, California and the surrounding Santa Clara 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 San Jose, California 95132
If you are considering refinancing your mortgage or obtaining a cash-out refinance in San Jose, California 95132, we have compiled a list of top refinance brokers to assist you in the process.
Dave Gottwals
Loan Officer
5446 Thornwood Drive, Suite 200
San Jose, CA 95132
(800) 810-2363
dgottwals@bbandt.com
Constance D Ledna
Mortgage Consultant
99 Almaden Blvd, 2nd Floor
San Jose, CA 95132
(408) 279-7238
constance.ledna@unionbank.com
Ben Betparoo
Producing Sales Manager
2007 Camden Ave., Ste. 10
San Jose, CA 95132
Banipal.Betparoo@unionbank.com
Todd Feldman
Loan Officer
4300 Stevens Creek Blvd., Suite 275
San Jose, CA 95132
(408) 557-0700
tfeldman@stonecrest.net
Stanley Tseng
Loan Officer
4300 Stevens Creek Blvd., Suite 275
San Jose, CA 95132
(408) 557-0700
stseng@stonecrest.net
Address
5446 Thornwood Drive, Suite 200
San Jose, CA
Contact
(800) 810-2363
Fax (301) 639-0804
dgottwals@bbandt.com
Address
99 Almaden Blvd, 2nd Floor
San Jose, CA
Contact
(408) 279-7238
Fax (301) 639-0804
constance.ledna@unionbank.com
Address
2007 Camden Ave., Ste. 10
San Jose, CA
Contact
Fax (301) 639-0804
Banipal.Betparoo@unionbank.com