Compare Today’s Refinance Rates for San Jose, California

Pureloan analyzes 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 other areas of San Joaquin county, expected lifetime cash savings are $15,717 or $44 / month.

For San Jose, California 95196, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.

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Summary of Average Refinance Terms in San Jose, California 95196

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in San Jose, CA 95196, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Refinance Rates for San Jose, California 95196 from 2012 - 2019

Below are historical data on refinancing in San Jose, California and around San Joaquin county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2013 2014 2015 2016 2017 2018 2019 2020
% 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%
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 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.

Name
Address
Contact

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

Refinancing News for San Jose, California 95196