Compare Today’s Refinance Rates for San Jose, California
Pureloan’s engine analyzes refinance lenders to give you the best real-time home refi rates for San Jose, California 95117. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing in San Jose and surrounding areas of Santa Clara county, your expected lifetime cash savings are $23,441 or $65 / month.
Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for San Jose, California 95117.
Summary of Average Refinance Terms in San Jose, California 95117
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Customized Refinance Rate Projections for San Jose, CA
For refinance rate forecasts and predictions in San Jose, CA 95117, 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 95117 from 2014 - 2021
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.
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | |
|---|---|---|---|---|---|---|---|---|
| % 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 95117
Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in San Jose, California 95117, 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 95117
(800) 810-2363
dgottwals@bbandt.com
Constance D Ledna
Mortgage Consultant
99 Almaden Blvd, 2nd Floor
San Jose, CA 95117
(408) 279-7238
constance.ledna@unionbank.com
Ben Betparoo
Producing Sales Manager
2007 Camden Ave., Ste. 10
San Jose, CA 95117
Banipal.Betparoo@unionbank.com
Todd Feldman
Loan Officer
4300 Stevens Creek Blvd., Suite 275
San Jose, CA 95117
(408) 557-0700
tfeldman@stonecrest.net
Stanley Tseng
Loan Officer
4300 Stevens Creek Blvd., Suite 275
San Jose, CA 95117
(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