Rancho Santa Margarita, California Mortgage Rates

We offer low mortgage rates in Rancho Santa Margarita, California along with fast closings and personal one-on-one service. For over 15 years I’ve been working with homeowners in Rancho Santa Margarita and throughout California to help them achieve their dreams of homeownership.

We have an A+ rating with the Better Business Bureau and a Five Star rating with Zillow. We offer a wide variety of loan programs to meet our client’s needs and the latest technology to ensure a smooth and efficient loan process. Contact me today for a no-cost/no-obligation quote and see what makes us different. 1-800-550-5538.

Mortgage Rates In Rancho Santa Margarita, California:

FHA Mortgage Rates


Jumbo Mortgage Rates

Living In Rancho Santa Margarita, California:

Rancho Santa Margarita, CA is located in southern California.

Native Americans once existed where colleges, shopping malls, and suburban communities now stand. On July 23, 1769, a Spanish expedition under Captain Gaspar de Portola, who camped near the Tijeras Creek Golf Course site in Rancho Santa Margarita, visited them. The exploration went inland on July 24, to escape the numerous streams and swamps in the region. They found a wide plateau region and camped by a canyon which the Franciscans called San Francisco Solano that night on its western side. It was some three miles downstream from the current location of Trabuco Oaks on the eastern side of Trabuco Creek.

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.

Division & Purchase of the Land:

The Mexican governors divided the land around the mission into three large ranchos:

  • Mission Viejo Rancho
  • The Santa Margarita Rancho
  • he Trabuco Rancho

The merged ranchos were purchased by James L. Flood and his wife Jerome O’Neill in 1882. Before the 1920s, the vast farm had been operated as a working property. In 1940, the property was split in today’s San Diego County with the upper part held by the O’Neill estate, with the Flood family getting the lower half. The Navy leased the part of the property to the Flood family in 1942 for use as Camp Joseph H. Pendleton.

In 1948, the O’Neill family donated the County of Orange 278 hectares of canyon bottom property for park purposes. In 1963, the O’Neill family donated an additional 120 acres of parkland, the same year they formed the Mission Viejo Corporation and drawn up designs for a homonymous master-planned city.

Family Homebuyers

Growth & Development Of Rancho Santa Margarita:

A rural housing cluster had been existing in Trabuco Canyon for decades by the 1960s.

Homes built on the 1st tract of the town did not arrive until late in the decade in what would become Coto de Caza, which began as a hunting and fishing destination. The region remained fairly remote until 1986 when the 1st homes in Rancho Santa Margarita’s modern master-planned development were rented.

The 1980s economic downturn has sparked home building in neighboring Dove Canyon, Robinson Farm, Wagon Wheel and a number of smaller projects. In 1992, after expansions of Oso, Antonio, and Alicia Parkways were built, the city was better connected to the rest of the region.

In 1989, the Rancho Santa Margarita (RSM) neighborhood people set up a Neighborhood Civic Association (CCA) to provide the group with a democratic voice. The CCA, then established as the Rancho Margarita Civic Association (and then also named the Municipal Council), briefly discussed self-governance, but it was in 1995 that the RSM Cityhood Committee, a distinct neighborhood body, started the formal campaign toward Cityhood.

Rancho Santa Margarita was designed to be an urban community, giving the best of 2 worlds: all the characteristics and rewards of a small town with a small village’s quality of life.

Incorporating The City, 2000:

Local residents elected to create the proposed neighborhood of Rancho Santa Margarita and the surrounding Robinson Ranch, Dove Canyon, Rancho Cielo, Trabuco Highlands, and Walden Communities in November 1999. Effective January 1, 2000, the recently founded City of Rancho Santa Margarita became the 33rd city in Orange County.

The city is a community under general law which functions under the form of government of council-manager. Emergency services are offered by the Orange County Sheriff’s arrangement. Fire security services are provided through the Fire Authority of Orange County.

Local Elementary Schools And Highs Schools:

The local school district is well-liked in the community. Here are some of the schools within the district.

  • Cielo Vista Elementary School: 21811 Avenida De Los Fundadores, Rancho Santa Margarita, CA 92688
  • Melinda Heights Elementary School: Located at 21001 Rancho Trabuco, Rancho Santa Margarita, CA 92688
  • Trabuco Elementary School: Located at 31052 Trabuco Canyon Rd, Trabuco Canyon, CA 92678
  • Trabuca Mesa Elementary School: Located at 21301 Ave del las Flores, Rancho Santa Margarita, CA 92688

Area Colleges And Universities:

  • Saddleback College: Saddleback University, based in Mission Viejo, California, is a mid-size two-year community college providing undergraduate programs. Saddleback College provides a flexible enrollment program that requires any high school graduate or undergraduate with a GED to apply. Five thousand five hundred thirty-one students are full-time enrolled, and 13,890 join part-time. In-state tuition for 2018/2019 is $1,288 plus a $40 charge, minus room and board.
  • Stanbridge University: Stanbridge University, located less than 30 miles from Rancho Santa Margarita, provides Technical Nursing (VN), Occupational Therapy (OT), Occupational Therapy Assistant (OTA), Physical Therapy Assistant (PTA) and Veterinary Technology (VT) services at the Irvine campus. The Los Angeles Branch Campus provides services such as the VN, OTA, and ADN (RN). Virtual degree options include a Bachelor’s of Nursing (RN-BSN) and a Master’s of Nursing (MSN) degree. The college also provides students and graduates programs to lead them through their studies and to help them grow their early careers.
  • Platt College: Platt College provides its graduates with a diverse and enriching program with college and job preparation classes. Whether you’re involved in an IT job, wellness & fitness teacher, veterinarian technician or physician assistant, Platt College has an opportunity for you to learn and prepare for your career.

The Local Economy:

Rancho Santa Margarita unemployment has typically been below 3.00% while the national average has been below 4%.

Recently, Rancho Santa Margarita has experienced a 0.6% rise in the jo force. It is estimated that projected job growth will be 31.4% in the next ten years, which is smaller than the US average of 33.5%. Rancho Santa Margarita’s income tax rate is 9.3% with the average income at just over $42,000 a year.

Commuting In Rancho Santa Margarita:

After 2010, the average drive to work is taking more time due to an increase in traffic. In Rancho Santa Margarita the typical one-way ride takes 30.1 minutes. This is higher than the 26.4-minute period in the US. Drivers in Rancho Santa Margarita:

  • 82.8% drive their own vehicle alone
  • 7.2% carpool with others
  • 6.8% travel from home
  • 0.5% use public transportation

Cost of Living in Rancho Santa Margarita, California:

The indexes of living expenses are based on an estimate of 100 in the US. A number below 100 indicates that Rancho Santa Margarita is less costly than the average in the US. A cost of living rating more than 100 indicates that Rancho Santa Margarita, California, is costlier.

The cost of living in Rancho Santa Margarita is 162.0. Housing is the biggest factor in the cost of living difference. In Rancho Santa Margarita, the median home price is over $650,000.

The Local Climate And Weather:

Rancho Santa Margarita, California receives, on average, 14 inches of rain a year. On average, Rancho Santa Margarita has over 270 days of sunshine per year. On average, it rains in Rancho Santa Margarita 36 days per year.

Most residents like the weather in Rancho Santa Margarita. Cool winters and warm summers.

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