Fresno, California Mortgage Rates

We offer a wide variety of loan programs, low mortgage rates in Fresno, California and top-notch customer service. We offer both fixed rate mortgages and adjustable rate mortgages along with one-on-one personal service. That means from application to closing you’ll work directly with me. And you will not be passed from one department to the next. This provides for an overall better experience for you.

It also means your loan will close faster because we’ve completely streamlined the entire application process. Low Fresno, California mortgage rates have been one of the main reasons why home values have increased over the last twenty years. That along with a good job market and family fun activities means people are looking to move to Fresno.

Helping Homeowners Achieve Their Dreams is not just a saying, it’s something my team fully believes in.

Mortgage Rates In Fresno, California:

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Fresno, California Mortgage Calculator:

Using our Fresno, California mortgage calculator to figure out your monthly mortgage payment is an essential part of buying a home or refinancing a current mortgage. Use our free Fresno, California mortgage calculator to help you determine what you can afford and if you have questions please don’t hesitate to ask!

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If you live in Fresno, CA and are looking to refinance your current mortgage or purchase a new home please be sure to contact me directly for a no-cost/no-obligation quote. Our company has a top rating with the Better Business Bureau and the Business Consumers Alliance. Even if you don’t need a quote but just have a question feel free to call as I will be happy to answer any questions as well. My direct number is 1-800-550-5538.

Mortgage rates in Fresno California

A Great Place To Call Home:

Fresno California is located in Central California, about 2.5 hours inland from Monterey Bay. Surrounding cities include Clovis, Muscatel and Las Palmas. Fresno, CA is the most populous city in the central valley with over 500,000 people calling it home. Fresno is Spanish for “Ash Tree” and the city was given this name for the large number of Ash Trees along the San Joaquin River. Fresno California is a great place to raise a family. Affordable housing, a good economy, and family-friendly activities make Fresno a desirable location to call home.

Local Realtors In Fresno:

Mortgage lenders in Fresno California work with local Realtors in the area to help homebuyers find that special home. Here are three local Realty companies you may want to consider if you are looking to purchase a home in the Fresno area.

Keller Williams – Fresno:

The Keller Williams – Fresno office is located at 7625 North Palm, Suite #106 in Fresno. Their direct number is (559) 432-5533. According to their website “When you choose to work with a KW agent, you’re partnering with a highly trained professional….”

Century 21 – Fresno:

This realty company is also located on North Palm. The exact address to the Century 21 – Fresno office is 7520 North Palm, Suite 102, Fresno CA 93711. The direct phone number is (559) 432-1221. In addition to Fresno, this office offers services in Clovis, California as well.

Realty Concepts:

The well-regarded realty company Realty Concepts is located at 575 East Alluvial Ave., Suite 101, Fresno, California 93720. The contact number for the main office is (559) 490-1500 (they also have an office in Oakhurst and Clovis).

Local Residential Appraisers:

Here are a few local appraisal companies to consider for your next real estate transaction.

Fresno Appraisal Service:

Fresno Property Values Appraisers is located at 6506 West Barstow Ave., Fresno, California 93723 and their direct contact number is (559) 761-2370. They handle all sorts of residential appraisal needs.

James G. Palmer Appraisals, Inc.:

Located at 1285 West Shaw Ave., Suite 108, Fresno, CA 93711 James G. Palmer Appraisals, Inc. was founded in 1965 and per their website they offer”…independent, specialized appraisal services, tailored to their client’s individual needs.”

It Can Get Hot In Fresno:

During the summer months, Fresno can get fairly hot; the average temperature in July and August is above 95 degrees. Fresno is home to several minor league sports teams including the Fresno FC U-23 (Soccer), Fresno Grizzlies (Baseball) and the Fresno Monsters (Ice Hockey). Some of the largest employers in the area are Community Medical Centers, City of Fresno, Saint Agnes Medical Center, and California State University, Fresno.

Fresno FC U-23:

The soccer club was formerly known as the Fresno Fuego FC. The team first started playing back in 2003 and was a PDL team. It’s a development team for the top team which plays in the highest division of the USL (United Soccer League).

Saint Agnes Medical Center:

According to their website, the mission of Saint Agnes Medical Center is to be “healing body, mind, and spirit…”. The hospital first opened in 1929 and had 75 beds. The hospital has grown significantly since it’s early days and now offers over forty areas specialized areas of care including Cardiac Rehabilitation, Neurology, Pulmonary Rehabilitation, and Robotic Surgery.

Customer Focused

JB Mortgage Capital, Inc. is 100% focused on the customer experience. From loan application to closing you'll work directly with one person the entire time. This ensures for a better experience for the customer and a more efficient loan process.

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Low Mortgage Rates

Making sure we provide industry low mortgage rates is a focal point at JB Mortgage Capital, Inc. We understand the importance of saving money. From fixed rate mortgages to adjustable rate mortgages we offer low rates at great terms.

The Early Days In Fresno:

Fresno in the 1940s was around 95% Caucasian and since then the city has grown more diverse. By some estimates, it’s believed that the largest ethnic population is now Hispanic or Latino. Fresno is home to some great restaurants and nightlife including the Tower District. The Fresno State Bulldogs sports teams are a source of pride for the city and the city puts on a Mardi Gras Parade every year.

Another exciting aspect of Fresno is the film festivals, and Island Water Park is one-way locals beat the heat during the hot summer months. The Shops at River Park offer three areas for shoppers Roeding Park provides hours and hours of family fun entertainment along with the Discovery Center. An important part of Fresno California is agriculture and this industry provides many jobs to those that call Fresno home.

Low Fresno, CA Mortgage Rates:

Fresno, California mortgage rates are similar to those in other California cities and most lenders offer various fixed rate mortgage and adjustable rate mortgage loan programs. Between 2008-2012 home values in Fresno crashed as the country was recovering from the mortgage crisis. Since then home values have stabilized and more recently have risen as mortgage interest rates remain low.

According to Redfin the housing market in Fresno is “very competitive” as more and more people look to call Fresno, California home.

There are many reasons why people should consider moving to Fresno. Great neighborhoods, a good economy, affordable housing and opportunities for higher education are some of the reasons why people are moving to Fresno. For the last twenty years, low mortgage rates in Fresno, California have enabled more people to buy homes. We expect this to continue as the economy continues to grow.

Additional California Cities:

If you’re looking for additional information on another California city please be sure to visit the main California Mortgage Company page.

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About Loan Officer Kevin O'Connor

About Loan Officer Kevin O'Connor

He is the founder and main contributor of He has over 15 years of experience as a Mortgage Loan Originator (MLO) and is a fully licensed with the state of California and the Nationwide Mortgage Licensing System (NMLS). He has a top rating with the Better Business Bureau and a top rating with Zillow. He continually delivers the results homeowners are looking for; low rates, fast closings and exceptional service: "Helping Homeowners Achieve Their Dreams"  CA DRE #01499872 and NMLS # 247447