Compare Today’s Refinance Rates for San Jose, California
Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for San Jose, California 95196. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in San Jose and surrounding areas of Santa Clara county, expected lifetime cash savings are $57,480 or $160 / month.
Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for San Jose, California 95196.
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Summary of Average Refinance Terms in San Jose, California 95196
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Refinance Rates for San Jose, California 95196 from 2012 - 2019
Below are historical data on refinancing in San Jose, California and around Santa Clara county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | |
|---|---|---|---|---|---|---|---|---|
| % 30 year fixed refinance | 66.06% | 60.51% | 69.14% | 70.00% | 78.26% | 77.04% | 72.29% | 65.99% |
| avg refi rate | 4.87% | 4.49% | 3.86% | 3.73% | 4.44% | 4.02% | 3.82% | 3.94% |
| % 15 year fixed refinance | 26.25% | 29.49% | 25.40% | 24.15% | 18.05% | 18.62% | 22.31% | 24.35% |
| avg refi rate | 4.28% | 3.80% | 3.23% | 2.97% | 3.49% | 3.21% | 3.03% | 3.19% |
| % 10 year fixed refinance | 3.87% | 5.47% | 1.81% | 2.42% | 0.79% | 0.47% | 0.47% | 0.68% |
| avg refi rate | 4.10% | 3.68% | 3.09% | 2.81% | 3.29% | 3.38% | 3.02% | 2.90% |
| Avg credit score | 776.79 | 777.56 | 778.71 | 773.69 | 758.43 | 762.41 | 762.78 | 759.96 |
| Avg LTV (loan to value) | 50.58% | 51.23% | 53.72% | 53.82% | 60.28% | 56.84% | 51.55% | 49.47% |
| Avg Combined LTV (loan to value) | 52.86% | 53.28% | 55.90% | 55.86% | 61.85% | 58.28% | 52.56% | 50.65% |
| Avg DTI (debt to income) | 32.36 | 32.00 | 31.39 | 32.13 | 35.10 | 34.54 | 33.94 | 34.87 |
| Avg refinance insurance % | 0.10% | 0.19% | 0.31% | 0.48% | 0.89% | 0.74% | 0.54% | 0.65% |
Data produced from the Financial Report of the US Government
Best Refinance Brokers Around San Jose, California 95196
Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in San Jose, California 95196, we have compiled a list of the leading refinance brokers to guide you.
Dave Gottwals
Loan Officer
5446 Thornwood Drive, Suite 200
San Jose, CA 95196
(800) 810-2363
dgottwals@bbandt.com
Constance D Ledna
Mortgage Consultant
99 Almaden Blvd, 2nd Floor
San Jose, CA 95196
(408) 279-7238
constance.ledna@unionbank.com
Ben Betparoo
Producing Sales Manager
2007 Camden Ave., Ste. 10
San Jose, CA 95196
Banipal.Betparoo@unionbank.com
Todd Feldman
Loan Officer
4300 Stevens Creek Blvd., Suite 275
San Jose, CA 95196
(408) 557-0700
tfeldman@stonecrest.net
Stanley Tseng
Loan Officer
4300 Stevens Creek Blvd., Suite 275
San Jose, CA 95196
(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