Oakland, California Mortgage Rates

With a rich culture, a good economy and plenty of family options it’s no wonder that Oakland is a desirable place to live. For over 15 years I’ve been providing low mortgage rates in Oakland, California, fast closings and personal one-on-one service to those living in city and surrounding areas.

If you live in Oakland and are looking to refinance a current mortgage or purchase a new home please be sure to contact me directly for a no-cost/no-obligation quote. From the initial quote to the final closing, I will work directly with you from beginning to end. This provides for a much better customer experience and it enables us to close your mortgage fast.

California Mortgage Rates (Conventional)

California FHA Mortgage Rates


California Jumbo Mortgage Rates

A Great Place To Call Home:

Oakland is a great place with a diverse cultural and offers a wide variety of activities for families. Oakland, CA is the 7th largest city in California in terms of land size (of 50 square miles) and it’s home to the Oakland A’s professional baseball team, Golden State Warriors professional basketball team and the Oakland Raiders professional football team (the team has moved to Las Vegas).

On top of that there are more than 600 hundred restaurants serving just about any type of food you can imagine and more than 120 languages/dialects are spoken within the city limits. Residents of Oakland California have many mortgage lender options including small local banks and credit unions, regional banks, nationwide banks, direct lenders and mortgage brokers. Oakland, California mortgage rates and a good job growth have helped keep home values high over the last 20 years.

Oakland, California mortgage rates

Mortgage Rates In Oakland, California:

There are many reasons why a family should consider moving this great city. Family friendly neighborhoods, a good economy, and opportunities for higher education in the surrounding areas are just some of the reasons why thousands of people call it home. Most mortgage professionals recognize that low mortgage rates in Long Beach, California have enabled more people to buy that first starter home. This in turn has helped the middle and top of the market to also expand. This trend should continue as the economy continues to grow and more jobs are created.

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.

Sports and The Economy:

As mentioned Oakland is home to the Oakland A’s professional baseball team, the Golden State Warriors professional basketball team (moved back to San Franscisco) and the Oakland Raiders professional football team moved to Las Vegas in 2020. Some of the largest employers in Oakland are Kaiser Permanete, County of Alameda, Southwest Airlines and the State of California. It’s also home to Oakland International Airport which allows the residents to travel the world right from their home town. Oakland CA has an active night life including many musical options such as jazz, hip-hop, punk, rock and reggae.

Oakland A’s – Baseball:

Founded in 1901 (Philadelphia A’s), the A’s were one of the very first franchises in professional baseball (source). They’ve won three championships from 1910 to 1913 and repeat championships in 1929 and 1930. They also won the World Series in 1989 with Jose Conseco and Mark McGwire on the team. Additional famous players include Dennis Eckersley and Rickey Henderson.

The movie Moneyball was about how the Oakland A’s, a team with a small budget, found a way to compete with the bigger markets and produces a winning team.

Golden State Warriors:

The Golden State Warriors no longer play in Oakland but they’re not far away. After 48 seasons in Oakland they moved back to San Francisco where they played 8 seasons. While playing in Oakland the team won three championships and went from a ream that most people didn’t know about to a major brand worldwide.

Mortgage rates in Oakland, California

The Top Five Neighborhoods In Oakland:

According to Zumper.com here are the top five trendiest neighborhoods in Oakland;

  • Temescal – known for it’s art scene, coffee shops and easy access to to the MacArthur BART Station
  • Rockridge – Great restraunts and a “family friendly” vibe
  • Piedmont Avenue – good local shopping and restaurants
  • Grand Lake-Merritt – desirable location for young professionals
  • Downtown Oakland (Uptown) – loved for it’s nightlife including the Fox and Paramount Theater

Universities and Colleges Located in Oakland:

There are five Universities and Colleges in Oakland according to CollegeSimply. They include:

  • Pattern University
  • California College of the Arts
  • Holy Names University
  • Lincoln University
  • Mills College

Just outside of Oakland is the University of California, Berkeley and Saint Mary’s College of California.

Come Play In The Parks:

Oakland has nearly 6,000 acres of parks including Joaquin Miller Park and Allendale Park. Mass transit and bicycling are popular in Oakland and there is ferry services to the other side of the bay as well.  Here are some fun facts: famed Actor and Director Clint Eastwood graduated from High School in Oakland and hip hop artist MC Hammer is an official spokesman for Oakland CA.

Joaquin Miller Park:

Joaquin Miller Park is located at 3300 Joaquin Miller Rd. in Oakland and is a great park to visit. It is named after the writer and poet Joaquin Miller. He purchased in the late 1800’s. Located in the hills of Oakland it’s a great place to visit and an enjoy what nature has to offer. It has incredibly large Redwood trees that are hundred of years old.

Allendale Park:

Allendale Park is located at 3711 Suter Street in Oakland is a small neighborhood park located next to an Allendale Elementary school. There is nothing earth shattering about the park but it’s just a great example of one of the many great parks in and around the Oakland area. Families and kids enjoy the park year round.

Important Places To See and Visit:

  • African American Museum and Library
  • Oakland Museum of California
  • Chabot Space and Science Center
  • USS Potomac
  • USS Hornet Museum
  • Oakland Aviation Museum

According to their website – The African American Museum and Library is “….. dedicated to the discovery, preservation, interpretation and sharing of historical and cultural experiences of African Americans in California and the West for present and future generations. The reference library supports the archives and museum with a special, non-circulating collection of materials designated for library use only.”

It’s origin begins in the 1940’s when Eugene and Ruth Lasartemay and Jesse and Dr. Marcella Ford started to collect the oral histories of African American’s in and around the region. It’s original names was the East Bay Negro Historical Society and in 1988 changed it’s name to the Northern California Center for Afro-American History and Life.

Then in 1994 it became apart of the the library system in Oakland and adopted its current name.

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