Compare Today’s Refinance Rates for Santa Ynez, California 93460
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Santa Ynez, California 93460.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Santa Ynez, California 93460. For 30-year amortization refinancing, you can expect lifetime cash savings of $17,523 or $49 per month in Santa Ynez and other parts of Santa Barbara county.
Summary of Average Refinances in Santa Ynez, California 93460
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Interactive Refinance Rate Projections for Santa Ynez, California 93460
Pureloan has developed an interactive chart to monitor the five largest local lenders in Santa Ynez, CA 93460, 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 Santa Ynez, California 93460 from 2024 - 2016
The following historical data provides insights into refinancing trends in Santa Ynez, California and the surrounding Santa Barbara 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 | 91.30% | 70.38% | 75.72% | 79.04% | 82.07% | 76.06% | 75.38% | 78.41% | 78.67% |
avg refi rate | 6.19% | 3.29% | 2.85% | 3.14% | 3.98% | 4.46% | 4.07% | 3.85% | 4.04% |
% 15 year fixed refinance | 4.35% | 17.89% | 13.81% | 12.02% | 10.73% | 13.38% | 16.55% | 14.35% | 12.31% |
avg refi rate | 5.63% | 2.53% | 2.33% | 2.66% | 3.39% | 3.82% | 3.28% | 3.13% | 3.28% |
Avg credit score | 735.91 | 749.38 | 763.36 | 769.12 | 756.34 | 744.68 | 753.27 | 757.37 | 756.71 |
Avg LTV (loan to value) | 52.61% | 53.45% | 59.17% | 62.42% | 67.77% | 65.34% | 65.04% | 64.48% | 66.78% |
Avg DTI (debt to income) | 36.13 | 36.86 | 35.06 | 34.88 | 36.89 | 38.15 | 36.76 | 35.69 | 36.33 |
Avg refinance insurance % | 2.35% | 0.57% | 1.28% | 1.70% | 3.15% | 2.18% | 1.74% | 1.60% | 1.94% |
Best Refinance Brokers around Santa Ynez, California 93460
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Santa Ynez, California 93460, we have compiled a list of top refinance brokers to assist you in the process.
Susan Wolford
Loan Officer
3600 Sagunto St
Santa Ynez , CA 93460
(805) 688-6424
Susan.Wolford@rabobank.com
Karen Sepulveda
Mortgage Loan Representative
1025 Las Tablas Road
Templeton, CA 93460
(805) 434-2026
Karen.Sepulveda@rabobank.com
Mike Pitts
Loan Officer
485 Alisal Rd. Ste 212
Solvang, CA 93460
(805) 691-9334
mpitts@guaranteemortgage.com
Alex Muller
Loan Officer
1571 Mission Dr
Solvang , CA 93460
(805) 688-6150
Alex.Muller@rabobank.com
Ashlee Miller
Loan Officer
1025 Las Tablas Road
Templeton , CA 93460
(805) 434-0629
Ashlee.Miller@rabobank.com
Address
3600 Sagunto St
Santa Ynez , CA
Contact
(805) 688-6424
Fax (301) 639-0804
Susan.Wolford@rabobank.com
Address
1025 Las Tablas Road
Templeton, CA
Contact
(805) 434-2026
Fax (301) 639-0804
Karen.Sepulveda@rabobank.com
Address
485 Alisal Rd. Ste 212
Solvang, CA
Contact
(805) 691-9334
Fax (301) 639-0804
mpitts@guaranteemortgage.com