Compare Today’s Refinance Rates for Watsonville, California 95076
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Watsonville, California 95076.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Watsonville, California 95076. For 30-year amortization refinancing, you can expect lifetime cash savings of $11,039 or $31 per month in Watsonville and other parts of Santa Cruz county.
Summary of Average Refinances in Watsonville, California 95076
Become a certified mortgage expert on Pureloan.com
in Watsonville, California 95076
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Watsonville, California 95076
Pureloan has developed an interactive chart to monitor the five largest local lenders in Watsonville, CA 95076, 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 Watsonville, California 95076 from 2024 - 2016
The following historical data provides insights into refinancing trends in Watsonville, California and the surrounding Santa Cruz 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 | 77.27% | 67.41% | 73.98% | 75.29% | 80.85% | 70.40% | 67.08% | 72.34% | 77.67% |
| avg refi rate | 6.34% | 3.35% | 2.83% | 3.14% | 4.01% | 4.46% | 4.04% | 3.82% | 4.00% |
| % 15 year fixed refinance | 4.55% | 20.99% | 17.80% | 17.83% | 13.51% | 22.39% | 24.32% | 22.23% | 18.01% |
| avg refi rate | 5.25% | 2.53% | 2.32% | 2.66% | 3.42% | 3.70% | 3.29% | 3.03% | 3.20% |
| Avg credit score | 763.64 | 757.82 | 770.45 | 773.37 | 761.05 | 753.00 | 756.99 | 762.85 | 763.00 |
| Avg LTV (loan to value) | 38.55% | 43.72% | 50.34% | 52.10% | 55.29% | 48.29% | 49.72% | 51.56% | 57.21% |
| Avg DTI (debt to income) | 39.36 | 36.49 | 33.22 | 32.81 | 35.51 | 36.07 | 36.10 | 34.28 | 34.40 |
| Avg refinance insurance % | 0.55% | 0.22% | 0.58% | 0.85% | 1.81% | 0.71% | 0.64% | 0.53% | 0.71% |
Best Refinance Brokers around Watsonville, California 95076
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Watsonville, California 95076, we have compiled a list of top refinance brokers to assist you in the process.
Terie Rapose
Mortgage consultant
655 Main St
Watsonville, CA 95076
(831) 809-4736
terie.rapose@unionbank.com
Jasmine Lepik
Loan Officer
1915 Main Street
Watsonville , CA 95076
(831) 768-2668
Jasmine.Lepik@rabobank.com
Katie Mahan
Loan Officer
1915 Main Street
Watsonville , CA 95076
(831) 768-2668
Katie.Mahan@rabobank.com
Marisa Fischer
Loan Officer
1915 Main Street
Watsonville , CA 95076
(831) 768-2668
Marisa.Fischer@rabobank.com
Cindy Nilmeyer
Loan officer
333 W San Carlos St Ste 1625
San Jose, CA 95076
(408) 425-9600
cindy.nilmeyer@everbank.com
Address
655 Main St
Watsonville, CA
Contact
(831) 809-4736
Fax (301) 639-0804
terie.rapose@unionbank.com
Address
1915 Main Street
Watsonville , CA
Contact
(831) 768-2668
Fax (301) 639-0804
Jasmine.Lepik@rabobank.com
Address
1915 Main Street
Watsonville , CA
Contact
(831) 768-2668
Fax (301) 639-0804
Katie.Mahan@rabobank.com