Compare Today’s Refinance Rates for Vista, California 92084
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Vista, California 92084.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Vista, California 92084. For 30-year amortization refinancing, you can expect lifetime cash savings of $9,045 or $25 per month in Vista and other parts of San Diego county.
Summary of Average Refinances in Vista, California 92084
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Interactive Refinance Rate Projections for Vista, California 92084
Pureloan has developed an interactive chart to monitor the five largest local lenders in Vista, CA 92084, 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 Vista, California 92084 from 2024 - 2016
The following historical data provides insights into refinancing trends in Vista, California and the surrounding San Diego 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 | 96.97% | 72.77% | 79.26% | 79.60% | 85.24% | 81.44% | 78.04% | 79.13% | 80.13% |
| avg refi rate | 6.26% | 3.33% | 2.85% | 3.13% | 3.99% | 4.47% | 4.07% | 3.84% | 4.03% |
| % 15 year fixed refinance | 3.03% | 16.64% | 12.42% | 12.07% | 7.87% | 12.29% | 15.45% | 14.27% | 13.88% |
| avg refi rate | 5.38% | 2.57% | 2.34% | 2.66% | 3.47% | 3.82% | 3.21% | 3.11% | 3.25% |
| Avg credit score | 750.36 | 752.61 | 765.73 | 770.56 | 757.95 | 745.08 | 751.57 | 758.71 | 758.44 |
| Avg LTV (loan to value) | 55.67% | 50.20% | 57.69% | 60.29% | 66.94% | 62.70% | 62.86% | 63.63% | 65.63% |
| Avg DTI (debt to income) | 41.64 | 37.72 | 34.85 | 34.06 | 36.61 | 38.02 | 36.48 | 35.46 | 35.36 |
| Avg refinance insurance % | 2.64% | 0.46% | 1.11% | 1.63% | 3.54% | 1.97% | 1.77% | 1.85% | 1.88% |
Best Refinance Brokers around Vista, California 92084
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Vista, California 92084, we have compiled a list of top refinance brokers to assist you in the process.
Trevor Cochran
Mortgage Banker
985 E Vista Way
Vista, CA 92084
(740) 258-0336
Trevor.Cochran@chase.com
Paul Campbell
Retail Lending Manager
985 E Vista Way
Vista, CA 92084
(760) 774-7704
Paul.A.Campbell@chase.com
Georgette Barnard
Sales Manager
122 Civic Center Drive Suite 204
Vista, CA 92084
georgetteg@fairwaymc.com
Kim Powell
Loan Advisor
380 S. Melrose Ave, Suite 203
Vista, CA 92084
(760) 334-1030
kim.powell@apmortgage.com
Mike West
Loan Advisor
380 S Melrose Avenue, Suite 203
Vista, CA 92084
(760) 208-1739
mikewestfunds@gmail.com
Address
985 E Vista Way
Vista, CA
Contact
(740) 258-0336
Fax (301) 639-0804
Trevor.Cochran@chase.com
Address
985 E Vista Way
Vista, CA
Contact
(760) 774-7704
Fax (301) 639-0804
Paul.A.Campbell@chase.com
Address
122 Civic Center Drive Suite 204
Vista, CA
Contact
Fax (301) 639-0804
georgetteg@fairwaymc.com