Los Banos, California Mortgage Rates

My team and I have been providing low mortgage rates in Los Banos, California for over fifteen years.

Our company offers many different loan programs to meet the needs of our clients. From low down-payment programs to investment property loan programs to loan programs designed for people with less than perfect credit. Contact me today for a no-cost/no-obligation quote at 1-800-550-5538 or complete one of our online request forms.

Mortgage Rates In Los Banos, California:

FHA Mortgage Rates


Jumbo Mortgage Rates

Los Banos California Mortgage Calculator:

Using our Los Angeles, 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 Los Banos, 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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Living In Los Banos, California:

Los Banos is located in northern California.

Los Banos is a city in Merced County with a population of around 36,000 residents. It is located in the beautiful San Joaquin Valley. The Spanish meaning of the city’s name means “The baths.” and the city was originally settled in the 1840s.

Los Banos is considered to be a small peaceful city where the residents of supportive of one another. It is a growing community with a lot of parks for families to enjoy outdoor activities.

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.

Downtown Los Banos:

The centerpiece of the entire downtown area is Miller Plaza a 10-acre half oval plaza that is named in honor of the late cattle rancher, Henry Miller. Miller’s bronze with cattle is a feature of the plaza. The community is good for raising a family due to the strong sense of community this city offers.

There is some good shopping in the city as well as some niche stores as well as several fitness centers and gyms. There is also a lot of mom and pop shops that help the city maintain its small-town friendly feel.

State Park In Los Banos:

Los Banos includes the Los Banos state park, which sports a campground for overnight visitors. The reservoir provides for boating and fishing opportunities and there are plenty of trails for hiking.

Neighborhoods In Los Banos, California:

Here is a brief look at some of the neighborhoods in Los Banos.

  • Los Banos Gardens: Los Banos Gardens is a neighborhood made up of reasonably priced mid-sized homes with ¼ acre lots. The neighborhood was established in 1962. The neighborhood features a large range of different style homes from various time periods.
  • Southbrook: Southbrook is a relatively new neighborhood with many of the homes within easy walking distance of major retailers, grocery stores, restaurants, parks, and schools. The homes are well maintained and sit on ¼ acre lots.

Most of the people here own their own homes and purchase prices of most homes in this city are well below the average home cost for California. People here also tend to remain in their homes for a long period of time and there isn’t an overwhelming number of vacant homes.

Many of the residents of Los Banos work in the Silicone Valley but choose to live in this city because they like the more affordable housing and the more rural atmosphere then they would find in a larger city. If you are looking for a city with that small-town community feel then you may want to check out Los Banos.

Los Banos Unified School District:

The Los Banos Unified School District makes up most if not all of the schools in this city and the school district are also the city’s largest employer. Residents feel that the school system for the city is good. Because the town is smaller than most California cities students get more individual attention than in larger city schools.

Climate And Weather In Los Banos, CA:

Los Banos enjoys a Mediterranean climate with hot summers and cool winters. Most of the precipitation falls during the winter months with this area normally getting a little less than 10 inches of rainfall.

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 koloans.com. 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