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Palo Alto, California Mortgage Rates

Palo Alto, California mortgage rates and a super strong economy have pushed home values to some of the highest levels in the country.

I have over 16 years of experience as a Loan Officer providing low mortgage rates in Palo Alto, fast closings, and personal one-on-one service. Our company has an A+ rating with the Better Business Bureau and a Five Star rating on Zillow. If you are looking to purchase a home in Palo Alto, or refinance your current mortgage, please be sure to contact me directly for a no-cost/no-obligation quote.

Mortgage Rates In Palo Alto, California

Palo Alto California Mortgage Calculator

Using our Palo Alto, 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 Palo Alto, 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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Palo Alto Is A Great Place To Live

You will find Palo Alto, CA in the northwest corner of Santa Clara County in California. Palo Alto is a Spanish word that means a tall tree and when one sees the Redwood trees in the coastal areas then it becomes clear where the name originated. Leland Stanford Sr. was the man who established Palo Alto as well as Stanford University. Palo Alto is surrounded by Los Altos Hills, East Palo Alto, Menlo Park, Portola Valley, Mountain View, Los Altos and Stanford.

Palo Alto, California mortgage rates

Homes Are Expensive

More than 70,000 people call Palo Alto home, a rather expensive privilege because statistics show the city to be one of the five most expensive cities to live in in the US. However, there are huge benefits because residents of Palo Alto are among the highest educated people in the US. There are many reasons why Palo Alto continues to be a very popular place of residence and also why properties in this area are sought-after commodities.

Silicon Valley

There is a large number of high technology companies that have their corporate headquarters in Palo Alto (aka Silicon Valley). Among those corporations is Lockheed Martin, Tesla, Hewlett-Packard, Ford research and innovation center, Space Systems/Loral and many others. It is not surprising that there is so much competition when it comes to acquiring real estate in Palo Alto. Along with the technology boom low mortgage rates helped send home values significant higher. Before buying a home in Palo Alto be sure to check the current mortgages rates.

The Origins Of Palo Alto

The indigenous tribe the Ohlone was the first to inhabit the region. The Spanish reached the area in 1769. The Mission Santa Clara de Asis was established in the area in 1777 by Father Junipero Serra. The area remained under the control of Mexico until 1846 when the US seized control of Alta California. Just like other cities in the San Francisco Bay Area Palo Alto also has a Mediterranean climate where summers are dry and warm, while winters are wet and cool. During the summer it will frequently happen that fog banks move in from the coast as soon as the sunsets.

This form an insulation blanket which traps the heat that was generated during the day. Even so night temperatures seldom exceed 60-degree Fahrenheit.


An estimated 70,000 people live in Palo Alto with 43% being white people and 27% Asian. The Northern parts of Palo Alto have many older homes dating back to 1890 of which some are Californian colonials while others are Craftsman designs. Most of the houses in the Southern parts were build after 1945 and they are of the Eichler style.

Palo Alto has a wide selection of properties that range in price from $800,0000 to over $40 million but there are many houses in the Californian mid-century middle-class design. A thriving economy is the bedrock on which a city is raised and this is why the close proximity of Silicon Valley ensures that Palo Alto will always be an excellent investment choice. Almost 100,000 people are employed by 7,000 Palo Alto businesses and more businesses settle in the city because of its excellent location.

Low Palo Alto, CA Mortgage Rates:

There are many reasons why someone would want to call Palo Alto home. Great neighborhoods, a strong economy, and a great Silicon Valley location have made Palo Alto one of the top places to call home. Historically low mortgage rates in Palo A lot, California have enabled more people to afford homeownership. We believe this trend should continue as the economy continues to grow.

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

Loan Officer Kevin O'Connor

About The Author

Loan Officer Kevin O'Connor has over 17+ years of experience as a Mortgage Loan Originator and is licensed by the state of California and the Nationwide Mortgage Licensing System. He has a top rating with the Better Business Bureau, Google, Yelp, and Zillow. CA DRE #01499872 / NMLS #247447

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