San Clemente, California Mortgage Rates

For over 15 years I’ve been helping people achieve their dream of homeownership. We offer low mortgage rates in San Clemente, California along with fast closings and personal one-on-one service.

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 your 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.

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

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Using our San Clemente, 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 Clemente, 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 San Clemente, California:

San Clemente, CA is located in southern California.

The city is named after Saint Clement and is situated along the California coast between Los Angeles and San Diego. San Clemente is known for its hills, ocean, and mountain views. The pleasant climate makes anyone who visits want to stay longer. Spanish colonial-style architecture inspired the slogan ‘Spanish Village by the Sea.’

San Clemente has an official city flower; the Bougainvillea. Coral is its official city tree.

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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 Early Days Of San Clemente:

Before it became a city, it was an inhabited area by the Juaneno people. Junipero Serra brought Mission San Juan Capistrano to led Spanish and Native American settlers to make villages around the area known today as San Clemente. It was believed that the area had fertile soil, a pleasant climate, and beautiful beaches. Therefore the city was named San Clemente (inspired by Saint Clement Sebastian, Vizcaino).

The original vision for the area was a Mediterranean style coastal resort town. Red tile roofs with white exteriors is the predominant style and you can see it in the oldest parts of the town (as well as the more modern areas). Historical places include the Beach Club, the Pier, the community center, and San Clemente Plaza.

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Historical places in San Clemente:

  • Nixon’s Western White House: One of the original homes bought by President Richar Nixon in 1969. La Casa Pacifica was the name of it. The nickname is the Western White House. The home sold in 1980 when he moved to New York City. The home has an amazing view of the Pacific Ocean.
  • Casa Romantica: This is one of the most historic places in San Clemente. One of the original founders of modern-day San Clemente is Ole Hanson. When he came to this city he decided to develop Casa Romantica. He owned it until the Great Depression, and now the home is owned by the city. It is used as a cultural center, weddings, and private events. It is located above the San Clemente Pier Station.
  • San Clemente Pier: This is one of the iconic landmarks in this city. It was built in 1928 and 1,200 feet long. The purpose of it is for pleasure and fishing. The pier was damaged in 1939 and 1983 (storms) and each time it was reconstructed. You can eat seafood and watch the wave. Fisherman’s restaurant and bar is located at the pier.
  • Old Town San Clemente: Old Town San Clemente brings the red tile roofs, dark wood doors, and windows, and cream stucco walls to life for visitors. Old Town San Clemente restaurants, bars and shops. Go to Iva Lee’s for comfort food and good music. It has a cozy scene too.

Local Homes In San Clemente:

If you would like to see the older homes of San Clemente, you can visit the Los Winds Beach area (aka Lausens). It is characterized by a variety of styles in single and double story fashion. You will find the traditional Spanish style, including crafting an eclectic atmosphere. The oldest home area is in Southwest San Clemente. You will see some new constructions in the Cape Cod Style.

The Climate And Weather Of San Clemente:

San Clemente, CA has a Mediterranean climate. The warmest month of the year is August, and the coldest is December. It only rains about 14 inches per year and to no ones suprise it never snows in San Clemente.

It has nearly 300 days of sunshine per year and the average summertime high is around 84 degrees.

Transportation Around San Clemente, CA:

There is the Foothill Transportation Corridor, the Metrolink’s Orange County Line and Inland Empire Orange County Line. They connect between Los Angeles and San Diego.

There is also a free trolley service in San Clemente. It provides three open-air trolleys that cruises throughout the coastal areas of town. They pick up people and stop every 15 minutes. It is available every day, even in Memorial Day weekend and Labor Day weekend.

A Great Place To Surf:

The popular thing to do here is surf.

There are many surfing locations like Lowers, Middles and Uppers, Trestles, Calafia, Riviera, Cotton’s Point, the Hole, the Pier, Laurens, Linda Lane, North Beach, 204, and Poche Beach.

This city has a large concentration of surfboard manufacturers and shapers. Many world-renowned surfers were raised here. San Clemente won 6 out of 7 most recent NSSA national surfing titles. The best beach is almost anywhere along the perfect coastline.

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 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