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Fresno California Home Mortgage
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California Mortgage
PRODUCT +/- Rate Last week
30 year fixed Graph Icon Arrow 4.09% 4.16%
15 year fixed Graph Icon Arrow 3.25% 3.30%
5/1 ARM Graph Icon Arrow 3.28% 3.36%

 Rate disclaimer

PRODUCT +/- Rate Last week
30 year fixed refi Graph Icon Arrow 4.09% 4.17%
15 year fixed refi Graph Icon Arrow 3.25% 3.34%
10 year fixed refi Graph Icon Arrow 3.15% 3.18%
PRODUCT +/- Rate Last week
60 month used car loan Graph Icon Arrow 3.20% 3.20%
48 month used car loan Graph Icon Arrow 3.18% 3.19%
60 month new car loan Graph Icon Arrow 3.44% 3.44%
PRODUCT +/- Yield Last week
6 Month CD Graph Icon Arrow 0.75% 0.71%
1 Year CD Graph Icon Arrow 1.24% 1.24%
2 Year CD Graph Icon Arrow 1.41% 1.41%
PRODUCT Rate
MMA and SAVINGS 0.58%
$10k MMA 0.57%
Interest Checking 0.43%

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When to Go For Mortgage Refinance in Fresno, California

Fresno is a city based in Central California. With an estimated population of 456,574, it is the fifth largest city within California. Recently, the mortgage market in Fresno, California has gone through frequent fluctuations. In fact, it is an undeniable fact that the mortgage rates are now at an all-time low. This is a favorable time for homeowners wishing to get home loans and to buy a new home, as the mortgage rates are low and thus, the overall total costs to the borrower would be low.

Similarly, it may also be a good time to get mortgage refinance. However, before you decide to refinance mortgage to benefit with lower mortgage rates, there are a few things that need to be considered:

  • Refinancing Costs

Refinancing does not come free of cost. There are several costs associated with the closure of your refinanced mortgage, for example, appraisal cost, closing costs and lender fees. Therefore, get an estimate of these costs prior to getting a mortgage refinance as these costs could be significant and thus, may impact your financial budget and stability.

  • Duration of Your Stay in the House

If you are planning to reside in your home for a number of years, then getting a mortgage refinance to lower mortgage rates would be a good idea. However, if you are planning to relocate or even just downgrade to a smaller one or upgrade to a larger one, then it wouldn’t be wise to refinance mortgage.

  • Your Credit Score

As you may already know, your credit score is one of the determinants of the mortgage rates that can be offered to you. When looking to refinance your mortgage, get a re-evaluation of your credit score as it is likely that you may have improved your credit score by making timely monthly payments. An improved credit score will assist you in getting even better mortgage rates when you go for mortgage refinance.

For an accurate estimation of your monthly mortgage payments, even post-refinance, you can refer to MortgageRefinance.com. Our professionals, with their ample knowledge and our mortgage calculator, will guide you regarding your monthly payments in the best possible way.

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