San Bernardino, California Mortgage Rates

SB, Berdoo, Gate City, The Friendly City—it doesn’t matter which name you use to identify San Bernardino, as the slice of California paradise can be aptly described as awesome. From the city’s climate to its industry and its residents to its entertainment, as well as a whole lot else in between, there’s much to love and appreciate in its relatively small 81-mile area. Read on for more information, contact one of the city’s 215,000+ residents, and/or see for yourself if you’d like proof of the point!

If you are looking to buy a home or refinance a current mortgage then contact me directly for a no-cost/no-obligation quote. We offer low mortgage rates in San Bernardino, California along with fast closings and top-notch customer service. I have over 15 years of experience as a Loan Officer and I will directly with all my clients from beginning to end.

Helping Homeowners Achieve Their Dreams is not just a saying, it’s something my team fully believes in.

Mortgage Rates In San Bernardino, California:

FHA Mortgage Rates

Jumbo Mortgage Rates

San Bernardino, California Mortgage Calculator:

Using our San Bernardino, 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 San Bernardino, California mortgage calculator to help you determine what you can afford and if you have questions please don’t hesitate to ask!

Advanced Mortgage Calculator For City Pages

Loan Information


Taxes and Insurance


Financial Analysis







Educational Opportunities:

The San Bernardino City Unified School District operates reputable elementary, middle, and high schools, the vast majority of which are well-reviewed by students and parents. Renowned universities such as California University of Science and Medicine, California State University, San Bernardino, San Bernardino Valley College, and American Sports University are based in the city—a point that provides ample higher-education opportunities for locals and attracts students from around California and the country. As a whole, San Bernardino’s educational landscape is healthy, and furthermore, it doesn’t show any signs of slowing down. The cited schools and many others have operated for decades and even centuries.

California home

Parks And Plenty of Activities:

SB’s nature is second-to-none, even when compared to the wide array of parks and sights featured in other California cities. Silverwood Lake, for instance, is a relaxing, refreshing, and irrefutable beautiful swimming and boating destination. Moreover, the city’s other activities—the expansive San Manuel Casino, for one—are sure to entertain. Local events such as the annual Route 66 Rendezvous and the Natural Orange Show Festival show off San Bernardino’s kind locals and exclusive offerings—roadways and history in the former, and delicious oranges in the latter. Seriously, if you get the chance, you have to try a San Bernardino orange.

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

Contact Us

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.

Employment And Housing:

The Pacific Premier Bank, Union Bank, and AltaPacific Bank offer an abundance of financial services and advice to San Bernardino residents, and firms like Ken Scott Real Estate, Ponce and Ponce Realty, and Realty ONE Group San Bernardino make finding your dream home or apartment (or receiving buying or selling advice) as easy and straightforward as possible.

To the benefit of employees and residents alike, San Bernardino’s business sector is diverse. Retail, healthcare, manufacturing, and transportation each employ about 10% of the city’s workers, while accommodation, construction, and administration jobs account for roughly a quarter of SB’s employment opportunities. In practical terms, this means that a variety of professionals work in San Bernardino and that a variety of professionals are constantly settling in the city to offer their services and further grow its constantly-evolving economy.

Low San Bernardino, CA Mortgage Rates:

There are many reasons why would consider buying a home in San Bernardino. Great neighborhoods and affordable housing are just some of the reasons why over 215,000 people call the city home. Local experts agree that low mortgage rates in San Bernardino, California have enabled more people to buy homes that first starter home which has helped grow the local economy. This trend should continue as the economy continues to grow.

Additional Details About San Bernardino:

California Theater of the Performing Arts is downtown and provides a multitude of events for local residents. Broadway theater productions and locally sponsored plays are a part of the California Theater of the Performing Arts and the area is also home to the San Manuel Amphitheater and Coussoulis Arena. The Coussoulis Arena is a 5,000 seat arena located in the University District. San Bernardino also has plenty of parks and recreational facilities including Perris Hill Park, Fiscalini Field, and numerous hiking trails.

Silverwood lake San Bernardino is a recreational area with Camping, fishing, boating, and hiking. It’s a great family area which actually is a large reservoir for the area. Back in 2012 the city filed for bankruptcy; the second-largest bankruptcy (city) in history…the first being Detroit.

Customer Focused

At JB Mortgage Capital, Inc. we offer a unique approach to customer care. From the loan application to closing you'll work with one person. This allows for a better client experience and faster closings.

Low Mortgage Rates

Low mortgage rates and great service exist at JB Mortgage Capital, Inc. We offer industry low fixed rate mortgages and adjustable rate mortgages at great terms.

Fast Closings

Closing your loan fast is essential and we understand the importance of doing this. That's why we've embraced the latest technology to ensure we exceed your expectations when it comes to closing.

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.

Share on facebook
Share on twitter
Share on reddit
Share on linkedin
Share on email
About Loan Officer Kevin O'Connor

About Loan Officer Kevin O'Connor

He is the founder and main contributor of 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