Northern California Mortgage Rates

Mortgage rates in Northern California have been relatively low since the early 2000’s.

If you are considering a home purchase or a refinance of your current mortgage then you’ve come to the right place. I have over 15+ years of experience providing low Northern California mortgage rates for both homebuyers and homeowners. In addition to that, we offer fast closings and personal one-on-one service.

Mortgage Rates In Northern California:

FHA Mortgage Rates


Jumbo Mortgage Rates

From the quote to the application, to the approval to closing; I will work directly with you throughout the entire process. This allows for a much better customer experience and the process is much more efficient. Helping Homeowners Achieve Their Dreams is not just a saying, it’s something my team fully believes in.

Northern, California:

California is a large state and Northern California covers a large area of the state, which covers the 41 northernmost counties. Its major areas of population include the Bay Area, the cities of San Francisco and San Jose, the greater Sacramento area and the Metropolitan Fresno area. Northern California is an economic, scientific, technological and cultural leader in the world. Besides that, there are a lot of great things to do in Northern California.

Mortgage rates in Northern California

Northern California Realtors:

If you are buying a home in Northern California you’ll want to hire an experienced and knowledgeable Realtor. Your California mortgage broker (or lender) will work directly with your local Realtor to ensure your purchase closes on time.

Northern California Realty, Inc.

The main office for Northern California Realty, Inc, is located t 728 Main St., 2nd Floor, Red Bluff, CA, 96080. Their direct contact number is (530) 877-9208. They are a full-service real estate company with a “friendly, experienced team.”

California Outdoor Properties:

This Northern California realty company has seven offices. The main office for California Outdoor Properties is located at 707 Merchant Street, Suite 100, Vacaville, CA 95688. Their direct office number is (707) 455-4444. Additional offices include:

  • Arcata
  • Napa (two in Napa)
  • Yreka
  • Fall River Mills
  • Red Bluff

Stewart Real Estate Company:

Steward Real Estate Company is located at 1700 Market Street, Suite 102, Redding, CA 96001 and their direct office number is (530) 255-4133. According to their website, they are “Your source for Northern California Real Estate.”

Vintage Realty:

Another Northern California Realtor is Vintage Realty. Located at 19622 Lake California Dr., Cottonwood, CA 96022 and their direct number is (530) 347-1566. In addition to Cottonwood, they service Anderson and Redding as well.

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.

Request A Quote

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.

Living In Northern California:

Along with several large Metropolitan areas, Northern California also is made up of agricultural and wilderness areas. In fact, Northern California is comprised of several of the countries national parks including:

This area also has a number of other parks and wilderness areas. Northern California is made up of many different communities with diverse climates, job opportunities, and types of housing. Here is a look at some of the various communities in Northern California.

San Jose, California:

Located on the southern shore of San Francisco Bay and enjoys a Mediterranean climate. San Jose is the economic, cultural and political center of the Silicon Valley and the largest city in Northern California with a population of around 1030,000. San Jose is also the county seat of Santa Clara County and the 10th largest city in the United States.

San Jose was founded by the Spanish in 1777, became part of Mexico in 1821 and then in 1848 became part of the United States. When California first became a state San Jose was the first capital of California.

The city is home to many important tech companies including Cisco Systems, eBay, and Adobe Systems, Paypal, Samsung, Acer, Hewlett Packard, and more.

The city is located on the southern shore of San Francisco Bay and enjoys a Mediterranean climate. San Jose has a high cost of living, which is understandable since this city has the most billionaires and millionaires per capita than anywhere else in the world.

The Best San Jose Neighborhoods:

San Jose is made up of a number of fine neighborhoods and here is a look at a few of those neighborhoods.

  • Willow Glen Neighborhood: Willow Glen has the charm of a small town in the middle of a big city. The community has a number of small businesses, beautiful walkable tree-lined streets and diverse architecture with many single-family homes. Home values are high, but this neighborhood is considered to be one of the best neighborhoods to live in San Jose. This is an extremely friendly neighborhood. One point of interest is the neighborhood’s Christmas tree tradition. Every home in the neighborhood places a small tree in their front yard covered in colored lights. A single white light is placed on the tree.
  • West San Jose Neighborhood: The neighborhood of West San Jose is located on the Western end of the city near many of the big tech companies. This neighborhood is made up mainly of people who work in the tech industry and a good deal of the housing is apartments and townhouses. The neighborhood has well-kept streets and yards. The communities have at least two fair-sized shopping malls. The neighborhood is extremely upscale and most homes run a million dollars or more. The neighborhood is friendly and many believe this is a wonderful neighborhood to raise kids.
  • Evergreen Neighborhood: Evergreen is a very family-oriented neighborhood made up of many single-family homes with well-kept lawns and streets. Neighbors here are friendly most of the residents in this neighborhood own their own homes and there are many parks and coffee shops scattered around the neighborhood. Lake Cunningham is located in this neighborhood and sports a large water entertainment park. It is also the home to Brigadoon Park, which has a nice picnic and play area and large concrete slides. This neighborhood also has some really good schools.

Modesto, California:

Modesto is located in Central Valley less than 70 miles south of Sacramento and has sometimes been referred to as “Tree City USA.” The city was supposed to be named “Ralston “ after the financier William C. Ralston, but Ralston was too modest to have the city named after him and requested that the town be given another name so it was named Modesto for the man’s modesty.

The Modesto area is mainly agricultural and most people who work in the area work on one of the many vegetable or dairy farms in the area.

The population of this area is around 201,000 inhabitants. This town and the surrounding area experiences pleasant spring weather, hot dry summers and cooler autumns.

The downtown area of Modesto is filled with good restaurants, movie theaters and a number of shows and festivals throughout the year. Surrounding the downtown area are several residential areas including Robertson Road, South Side, O.G. Southside and Westside.

The best neighborhoods in Modesto are known for their tree-lined street, friendly neighbors, good schools and several different parks.

Homes in San Francisco

San Francisco, California:

San Francisco was founded in 1776 and had a growing population until ¾ of the city was destroyed by the 1906 earthquake and fire. The city was quickly rebuilt and has played a major roll in much of the history of this country. During World War II soldiers were shipped overseas from this city. It played a major role during the Goldrush, which was the birthplace of the United Nations and the Center of the Sexual revolution and gay rights.

San Francisco is known for its cool summers, fog, rolling hills and it is a popular tourist center as well as the home of 5 major banking institutions, and various companies such as Levi Strauss, Gap, Fit bit, Dropbox, Reedit, Yelp and many more.

San Francisco has many fine neighborhoods in which to live and work.

Two Of The Best Neighborhoods In San Francisco:

  • Pacific Heights Neighborhood: Pacific Heights offers great views of the Golden Gate Bridge, San Francisco Bridge, Arcata, and the Palace of Fine Arts. Known as San Francisco’s most expensive neighborhood. The area is made up of expensive homes mainly French Chateau and Spanish Style Mansions with large lots. There are two parks in the neighborhood Lafayette and Alta Plaza Park and the neighborhood is close to several hiking trails.
  • Noe Valley Neighborhood: Noe Valley is an interesting neighborhood with quite a mix of residents. This neighborhood has both liberals and conservatives as well as working-class residents and dot com millionaires. This neighborhood is made of mainly of beautiful restored Victorian homes, upscale restaurants, chic clothing shops, Bistros, bookstores, and fine dining restaurants. The neighborhood is both family and dog-friendly.

Stockton, California:

Another city located in Northern California is Stockton. Stockton is the county seat of San Joaquin County, which was founded by Captain Charles Maria Weber in 1849. Stockton has an estimated population of 311,000.

This city was built during the California gold rush and is the home of the University of the Pacific, which is the oldest university in California.

Stockton is set amid the surrounding San Joaquin farmland. The area has a Mediterranean climate with hot dry summers and mild winters. Stockton is the home of several museums and galleries, 2 shopping malls and a number of festivals are held in this city each year. Stockton has several nice neighborhoods; here is a look at two of those neighborhoods.

Popular Neighborhoods In Stockton:

  • Brookside Neighborhood: The Brookside neighborhood is a popular, but small neighborhood in Stockton, California. This neighborhood is located less than 3 miles from downtown Stockton. The neighborhood is made up of several gated communities and single-family homes. The neighborhood has decent schools, two parks the Nelson and Buckley Cove Park, and the Brookside Golf and Country club. The neighborhood also has a community pool and there several different shopping options, as well as various entertainment venues spread throughout this neighborhood.
  • Pacific Neighborhood: The Pacific Neighborhood is one of the largest neighborhoods in Stockton is a good place to live for those making a lower income as well as families. The neighborhood has a variety of housing options, several elementary and secondary schools and is the home of the University of the Pacific. This neighborhood also has several parks including Hidden and Caldwell Park as well as theaters and galleries.

Sacramento, California:

Sacramento is the capital of California and the county seat of Sacramento County. With a population of over 501,000, this is a fairly large city. Sacramento became a major commercial center as a result of the California gold rush and today is a major center for the health care industry.

Education is a major part of this city and you will find 2 major universities, several private institutions, and community colleges, as well as vocational schools and the McGeorge School of law within this city’s boundaries. Sacramento also has a number of museums and theater venues and has an extensive park system (over 5,000 acres).

The city of Sacramento has many fine neighborhoods and here is a look at a couple of the best neighborhoods in the city.

The Best Neighborhoods In Sacramento:

  • River Park Neighborhood: The River Park neighborhood of Sacramento has close to 4000 residents. This neighborhood has a suburban feel to it with neighbors tending to be friendly with one another and they look out for each other. The neighborhood is on the quieter side with above-average schools and most residents own their own homes making this a good place to raise a family. Scattered throughout the neighborhood are a number of restaurants, bars, coffee shops, and parks.
  • Pocket-Greenhaven Neighborhood: The Pocket-Greenhaven Neighborhood is located about 5 miles south of downtown Sacramento. This area is primarily occupied by middle to upper-class families and most of the families own their own homes. This is a good area to raise a family as the schools in the neighborhood are above average. There is also a number of parks so both children and adults can enjoy spending time out of doors.

Redding, California:

Redding is the county seat of Shasta Count and is located about 162 miles north of Sacramento. Redding is located at the very Northwestern end of Central Valley.

During the gold rush Redding was known as Poverty Flats until 1868 Benjamin Redding bought property in Poverty falls for the railroad, eventually, the town’s name was changed to Redding. Redding’s economy is largely based on the service industry with most of the services being in the health care, retail, and tourism industries.

Most of the residents in Redding own their own homes and there are a number of coffee shops and parks scattered throughout the city. Redding experiences hot dry summers and cool wet winters with the city experiencing occasional snowfall. Temperatures in the month of July can reach into the 100s.

Redding has some nice neighborhoods and here is a brief look at two of the most popular.

Popular Redding Neighborhoods:

  • City Center Neighborhood: City Center is the neighborhood to live in if you enjoy being right in the thick of things. While most people who live in the neighborhood live in apartments homes in the neighborhood sell for a pretty reasonable $268,000. Since this neighborhood is centrally located most people who live here either walk or bike to work, and the weather in this city makes doing so very enjoyable.
  • Centerville Neighborhood: The Centerville neighborhood is located outside the main part of Redding to the Southwest giving this neighborhood a rural feeling that many residents love. Medium prices of homes in this neighborhood are around $400,000. Homes are quite large in the area and many people own their own homes. It is a great place to raise a family due to the highly rated schools.
Arcata Bay California
Arcata Bay, Eureka, California

Eureka, California:

Eureka is the county seat of Humboldt County in the Redwood Empire Region of Northern California. It is the headquarters of Six Rivers National Forest and the North Coast Redwoods District of the California State Park System.

The entire city is a State Historic landmark as well as the home of California’s oldest zoo the Sequoia Park Zoo. Major industries in Eureka are tourism, timber, and health care. This city is known for its cool summer climate and mild and rainy winters. Eureka has some nice neighborhoods in which to live and here is a brief look at a couple of those neighborhoods.

The Best Neighborhoods In Eureka:

  • Freshwater/ Freshwater Corners Neighborhood: The Freshwater/Freshwater Corners neighborhood is a rural neighborhood that is mostly made up of small to medium size homes and some mobile homes. Most of the residents own their own homes in this neighborhood. This peaceful quiet neighborhood is a good place for retirees although the area has a mix of different age groups. Most of the people here have middle-income jobs.
  • Cutten Neighborhood: The Cutten neighborhood is the suburban equivalent of the Freshwater neighborhood. This neighborhood is made up of residents who own their homes and homes run from small to medium size single-family dwellings and a few small apartment buildings. Many of the residences are older having been built between 1940 and 1969. It’s a good place for retired people because the neighborhood is nice and quiet, but there is a mix of different age groups all living here. People have a short commute to work in many cases less than 15 minutes.

If you are considering moving to Northern California, there are a lot of communities and neighborhoods that will make a good place to live no matter what your age or income.

Northern California Climate:

The climate across Northern California is as varied as its land. Along the coast, summers are normally warm and mild with cool and wet winters. Summer temperatures in the Sacramento region can reach into the 100s while snow falls during January and February in the Mountain areas.

Endless Educational Opportunities:

Northern California has a large number of secondary educational institutions including six University of California campuses, eleven California State University Campuses, somewhere around twenty private institutions and over fourteen research institutions as well as a number of community colleges.

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.

Request A Quote

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.

Low Northern, CA Mortgage Rates:

Since the early 2000’s low mortgage rates in Northern, California have been an integral part of a somewhat meteoric rise in home values. Along with low mortgage rates a strong economy and good-paying jobs have enabled more first time home buyers to buy that first home. 30 year fixed mortgage rates tend to be the loan program of choice however some homeowners do prefer a 20 year or even a 15 year fixed mortgage rate.

The 30 year fixed mortgage provides for a lower payment however you’ll have a lower interest rate with a 20 year or a 15 year fixed mortgage rate. In addition to the lower rate, you’ll also pay your home off faster.

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