Compare Today’s Refinance Rates for Stockton, California

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Stockton, California 95297. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Stockton and surrounding areas of San Joaquin county, expected lifetime cash savings are $26,962 or $75 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Stockton, California 95297.

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Summary of Average Refinance Terms in Stockton, California 95297

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Refinance Rates for Stockton, California 95297 from 2012 - 2019

Below are historical data on refinancing in Stockton, 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.

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 Stockton, California 95297

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Stockton, California 95297, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Billy Nathaniel

Loan Officer

3415 Brookside Road Suite 200

Stockton, CA 95297

(209) 473-9277

billy.nathaniel@academymortgage.com

Raymond Archibeque

Loan Officer

1889 West March Lane

Stockton, CA 95297

(209) 870-3200

Raymond.Archibeque@rabobank.com

Maria R. Negrete

Loan Originator

3203 W March Lane, Ste. 120

Stockton, CA 95297

(209) 390-0034

mnegrete@primelending.com

Trami Nguyen

Loan Officer

2025 W March Ln #1

Stockton, CA 95297

Trami@MSJMortgage.com

Sandra Ceron

Loan Officer

2025 W March Ln #1

Stockton, CA 95297

Sandra@MSJMortgage.com

Address

3415 Brookside Road Suite 200

Stockton, CA

Contact

(209) 473-9277

Fax (301) 639-0804

billy.nathaniel@academymortgage.com

Address

1889 West March Lane

Stockton, CA

Contact

(209) 870-3200

Fax (301) 639-0804

Raymond.Archibeque@rabobank.com

Address

3203 W March Lane, Ste. 120

Stockton, CA

Contact

(209) 390-0034

Fax (301) 639-0804

mnegrete@primelending.com

Refinancing News for Stockton, California 95297