Sacramento, California Mortgage Rates

Low mortgage rates in Sacramento, California and a robust economy have enabled the Sacramento area to consistently grow over the last fifty years. I have been working directly with homeowners and homebuyers in the Sacramento area for over fifteen years delivering low rates, fast closings and personal one-on-one service. If you are looking to refinance a current mortgage or purchase a new home please contact me directly for a no-cost/no-obligation quote.

Mortgage Rates In Sacramento, California:

FHA Mortgage Rates

Jumbo Mortgage Rates

Sacramento, California Mortgage Calculator:

Using our Sacramento, 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 Sacramento, 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 Sacramento:

Sacramento, CA is one of the larger cities in the State of California. A diverse population, education and job opportunities; Sacramento is a great place to call home. Over 480,000 people live in Sacramento, California and at JB Mortgage Capital, Inc. we offer low rate mortgages throughout the Sacramento community. Sacramento California mortgage rates are similar to those found in the rest of California and residents of Sacramento have access to many different residential mortgage companies.

Mortgage rates in Sacramento California

There are your traditional banks and credit unions, direct lenders and mortgage brokers that have a diverse selection of loan program options. If you are in the Sacramento California area and would like a no-cost/no-obligation quote please contact us directly at 1-800-550-5538 for our best low rate mortgage options. Sacramento is the sixth-largest city in the State of California and it has a diverse population from all walks of life.

Local Sacramento Realtors:

There are hundreds and hundreds of Realtors in the area. Mortgage lenders in Sacramento will work directly with the Realtor you chose to ensure a smooth and successful home purchase.

Re/Max Gold – Sacramento Midtown:

Located at 2014 Capitol Ave., Sacramento, CA 95811 this ReMax Gold Office can be reached at (916) 277-8155. This office has many knowledgable and experienced realtors who appear to know the area well.

Coldwell Banker – Metro Office in Sacramento:

This is another well known and well-respected realty company in the local area. Coldwell Banker – Metro Office is located at 730 Alhambra Blvd., Sacramento, CA 95816 and their direct contact number is (916) 447-5900.

Century 21 Select Real Estate, Inc.:

This office is located at 6300 Florin Rd., Sacramento, CA 95823 and their direct contact number is (916) 642-8912. Century 21 Select Real Estate, Inc. is a full-service realty company serving the Sacramento area. According to their website, their agents speak English, Chinese (Mandarin), Hindi, Tagalog and Vietnamese.

Local Appraisers Located in Sacramento:

When you buy a home or refinance a mortgage you usually have to do an appraisal. Here are three local appraisers in the Sacramento area.

Sacramento Valley Appraisal:

Located at 9912 Business Park Dr., Suite #170, Sacramento, CA 95827, Sacramento Valley Appraisal company bills its self as “Affordable Home Valuations”. They provide appraisal services to the Sacramento area, Placer County, El Dorado County, and Yolo County.

Burton & Company Appraisals:

Burton & Company Appraisals is located at 1017 L St, Sacramento, CA 95814 and their direct contact number is (916) 718-1488. In addition to the Sacramento area, they cover Placer, Yolo, San Joaquin, Solano, and El Dorado counties.

Sacramento Pacific Appraisal Group, Inc.:

This well-established appraisal is located at 128 Clunie Dr, Sacramento, CA 95864 and their contact number is (916) 296-8362. Sacramento Pacific Appraisal Group, Inc. is a full-service residential appraisal company offering both Conventional and FHA appraisal reports.

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.

The Capital:

Many people know that Sacramento is the capital however, most Californians do not know that it’s California’s sixth capital since 1854. And it’s divided into two counties; Sacramento and Yolo county (West Sacramento).

The city is home to the Sacramento Kings basketball team and offers a wide range of activities for families. The Sacramento Zoo has been around since 1927; the California State Railroad Museum along with the Sacramento Jazz Festival which has been around for over 40 years are all local favorites. The city is located almost 100 miles northeast of San Francisco and around 2 million people live in the surrounding areas. The weather during the summer can be hot; really hot!

Sacramento Kings Basketball Team:

The Sacramento Kings comets in the Western Conference – Pacific Division of the NBA. This is Sacramento’s only professional sports team. Surprisingly the Kings are one of the oldest continuously operating teams in the nation (source wikipedia). The original team, Rochester Royals, started out in 1948.

In 1957 the team moved to Cincinnati and landed one of the great basketball players of all time, Oscar Robinson. From 1972 until 1985 it was the Kansas City Kings and from 1985 until now it’s been the Sacramento Kings. Additional stars include Rick Berry, Pervis Ellison, and Mitch Richmond.

California State Railroad Museum:

Located at 125 I Street in Sacramento, the California State Railroad Museum is dedicated to preserving the history of locomotives and railroad cars that connected California to the rest of the country (1800’s). They not only have a museum that you can visit but they offer a wide variety of educational programs including a “Kids Corner” and Railroad Safety educational courses.

Sacramento Jazz Festival:

The festival is also known as the “Hot Jazz Jubilee” and takes place every year in September. Entering it’s eighth year (2020) the festival has grown to include many well-known acts including Dave Bennett, Todd Morgan, and the Emblems and Gino and the Lone Gunmen. The four-day event costs $130 and many attendees stay at the DoubleTree hotel at 2001 Point West Way.

Homes in Sacramento

Education and Employment Opportunities:

The city is home to great school districts and universities including California State University, Sacramento and the University of the Pacific. Some of the larger employers in the area include Intel, Kaiser Permanente, UC Davis Health Systems, and others. Local businesses thrive in the area and there are many different cultural activities residents (and visitors) can enjoy.

California State University, Sacramento:

The University was founded in 1947 and is apart of the California State University System. A designated “Tree Campus USA” it has 4,100 trees on campus and over 400 different species. It’s the 4th most diverse university in the western United States. There are eight main focuses of study:

  • Arts and Letters
  • Business Administration
  • Continuing Education
  • Education
  • Engineering and Computer Science
  • Health and Human Services
  • Natural Science and Mathematics
  • Social Science and Interdisciplinary Studies

The university has over 30,000 students and over 240,000 alumni.

California State University, Sacramento has two National Register of Historic Places; Julia Morgan House and the Pony Express (source: National Parks Service).

Low Sacramento, CA Mortgage Rates:

Great neighborhoods, family fun attractions, a job market, affordable housing and are just a few reasons why nearly a half million people call Sacramento home. Low mortgage rates in Sacramento, California have empowered more people to buy that first home which has lead to the expansion of the housing industry in the surrounding areas. Most local experts believe this trend should continue as the economy continues to grow.

JB Mortgage Capital, Inc.:

If you live in the Sacramento, California area and are looking to refinance your current mortgage or purchase a new home please give us a call for a no-cost/no-obligation quote at 1-800-550-5538. With our A+ rating from the Better Business Bureau to our low rates we know you’ll have a great experience working with us to secure the best possible mortgage.

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 He has over 16 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 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