Compare Today’s Refinance Rates for Stanford, California 94305

Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Stanford, California 94305.

Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Stanford, California 94305. For 30-year amortization refinancing, you can expect lifetime cash savings of $236,762 or $658 per month in Stanford and other parts of Santa Clara county.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

37.423573 -122.161867 39123

Summary of Average Refinances in Stanford, California 94305

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Refinance Rate Projections for Stanford, California 94305

Source: Fannie Mae and Freddie Mac


Pureloan has developed an interactive chart to monitor the five largest local lenders in Stanford, CA 94305, for refinancing and cash-out. The chart features historical rates, which are based on completed refinancings, and projections, which are based on proprietary modeling.

Local Refinance Rates in Stanford, California 94305

Stanford is a census-designated place in the northwest corner of Santa Clara County, California, United States. It is the home of Stanford University. The population was 21,150 at the 2020 census.Stanford is an unincorporated area of Santa Clara County and is adjacent to the city of Palo Alto.

The place is named after Stanford University. Read more

Stanford is a census-designated place in the northwest corner of Santa Clara County, California, United States. It is the home of Stanford University. The population was 21,150 at the 2020 census.Stanford is an unincorporated area of Santa Clara County and is adjacent to the city of Palo Alto.

The place is named after Stanford University. Most of the Stanford University campus and other core University owned land is situated within the census-designated place of Stanford though the Stanford University Medical Center, the Stanford Shopping Center, and the Stanford Research Park are officially part of the city of Palo Alto. Its resident population consists of the inhabitants of on-campus housing, including graduate student residences and single-family homes and condominiums owned by their faculty inhabitants but located on leased Stanford land. A residential neighborhood adjacent to the Stanford campus, College Terrace, featuring streets named after universities and colleges, is neither part of the Stanford CDP nor owned by the University but is instead part of Palo Alto. Read less

Historical Refinance Rates in Stanford, California 94305 from 2024 - 2016

The following historical data provides insights into refinancing trends in Stanford, 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 88.24% 68.47% 74.24% 74.96% 81.59% 76.80% 72.51% 72.92% 75.62%
avg refi rate 6.29% 3.34% 2.85% 3.13% 4.04% 4.48% 4.04% 3.84% 4.02%
% 15 year fixed refinance 8.82% 19.69% 16.99% 16.61% 11.62% 16.01% 20.62% 20.36% 17.37%
avg refi rate 5.46% 2.54% 2.33% 2.67% 3.45% 3.80% 3.27% 3.08% 3.26%
Avg credit score 749.53 761.15 767.10 771.32 756.05 747.69 751.67 759.23 759.92
Avg LTV (loan to value) 53.40% 49.90% 55.09% 57.55% 62.97% 57.20% 57.90% 57.74% 61.46%
Avg DTI (debt to income) 39.12 35.46 33.29 32.92 35.78 36.41 35.45 34.09 34.35
Avg refinance insurance % 0.35% 0.61% 0.88% 1.26% 2.72% 1.24% 1.36% 0.99% 1.18%

Source: Financial Report of the US Government

Best Refinance Brokers around Stanford, California 94305

If you are considering refinancing your mortgage or obtaining a cash-out refinance in Stanford, California 94305, we have compiled a list of top refinance brokers to assist you in the process.

Name
Address
Contact

Stephen Tam

Home Mortgage Consultant

301 University Ave

Palo Alto, CA 94305

(650) 752-0452

stephen.tam@wellsfargo.com

Derek Kam

Home Mortgage Consultant

301 University Ave

Palo Alto, CA 94305

(650) 752-0452

Derek.Kam@wellsfargo.com

Mark Larsen

Home Mortgage Consultant

301 University Ave

Palo Alto, CA 94305

(650) 752-0452

mark.larsen@wellsfargo.com

Teri Cereghino-Rosa

Loan Officer

360 Bryant St Ste 200

Palo Alto, CA 94305

(650) 752-0799

tericereghino@princetoncap.com

Christine Kani

Mortgage Banker

578 University Ave

Palo Alto, CA 94305

(650) 543-1095

christine.d.kani@pmahomeloans.com

Address

301 University Ave

Palo Alto, CA

Contact

(650) 752-0452

Fax (301) 639-0804

stephen.tam@wellsfargo.com

Address

301 University Ave

Palo Alto, CA

Contact

(650) 752-0452

Fax (301) 639-0804

Derek.Kam@wellsfargo.com

Address

301 University Ave

Palo Alto, CA

Contact

(650) 752-0452

Fax (301) 639-0804

mark.larsen@wellsfargo.com

Refinancing News for Stanford, California 94305