San Jose, California Mortgage Rates

If you are purchasing a home or refinancing a mortgage then please contact me directly for a no-cost/no-obligation quote. I have over fifteen years of experience as a Loan Officer providing low San Jose, California mortgage rates along with fast closings and personal one-on-one service. From the quote to the application, to the approval to closing; I will work directly with you throughout the entire process. This allows for a much better customer experience and the process is much more efficient.

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

Mortgage Rates In San Jose, California:

FHA Mortgage Rates

Jumbo Mortgage Rates

San Jose, California Mortgage Calculator:

Using our San Jose, 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 Jose, 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







The Capital Of Silicon Valley:

San Jose’s official motto—“The Capital of Silicon Valley”—couldn’t be more accurate. San Jose, CA which is home to more than one million individuals and spans over 180 square miles, is the epicenter of the internationally renowned tech-innovation region.

World-famous companies like Samsung, Ebay, PayPal, and Adobe are headquartered in San Jose, and naturally, the city is inhabited by a tremendous number of individuals who’re employed in tech-related fields. More than being a financial powerhouse and an in-demand real estate site, though, San Jose is a breathtaking, one-in-a-million city that offers all manner of exciting activities, reputable financial services, and excellent educational opportunities.

San Jose, California Mortgage Rates

A Strong Economy:

To truly understand just how strong San Jose’s economy has been, is, and looks as though it will be in the future, one must examine “the numbers.” Over 80% of the city’s adult residents have graduated from high school; about fifty percent hold a college degree or are pursuing a college degree.

The city’s per-capita income, at almost $38,000, is nearly a third above the national average. Similarly, the city’s median household income—over $90,000—far exceeds the national average of roughly $55,000. While countless cutting-edge companies are headquartered in San Jose, once again, many others, including Facebook, Google, and Apple, maintain a presence in the city.

Historically, San Jose’s unemployment rate has been far below the national average.

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

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.

Top Quality Services:

As a result of the comparatively high earnings of San Jose residents and the city’s ample employment opportunities, a plethora of fantastic financial institutions offer top-quality services to clients. Everything from basic checking and savings accounts to retirement advice and loan opportunities can be found in San Jose.

Fremont Bank, Bank of the West, Umpqua Bank, Cathay Bank, and Metropolitan Bank, amongst many others, are operated by caring, attentive, and knowledgeable financial professionals.

Professional Sports And Entertainment:

San Jose is also home to several professional sports teams like the San Jose Sharks, San Jose Earthquakes and San Jose State Spartans. San Jose California is home to some great family attractions as well. The Municipal Rose Garden, The Tech Museum, The Children’s Discovery Museum and many other great family activities residents, or visitors, can access. It’s also home to some great theatres, restaurants, and hotels.

Real Estate In San Jose:

Two words aptly describe San Jose’s housing market: “in demand.” The city’s modern, state-of-the-art homes and apartments make excellent places to live—and invest—in. The city’s median home value is close to one million dollars, and more than 65% of San Jose homes have sold for over $761,000.

Over half of San Jose residents are homeowners, and more than six-tenths of the city’s homes were built after 1970. San Jose’s average home value has appreciated in each year since 1994, except for one year following the dotcom pop and three years following the 2008 recession.

San Jose Realtors:

Real estate professionals and firms such as EQ1 Real Estate, 1 Team Realtors, and Inferno Real Estate, amongst others, are ready and waiting to help buyers, sellers, and renters receive the answers and assistance they need.

It should also be mentioned that San Jose’s home interiors are the envy of individuals in neighboring cities because they’re set-up by some of the world’s greatest interior designers.

Feng Shui Style and Symmetry Designs, for instance, are well-reviewed up-and-coming interior design firms that operate out of (and almost exclusively in) San Jose.

A Great Place To Call Home:

There’s a lot more to San Jose than ample employment opportunities and a healthy real estate market. To be sure, the city’s activities and sights offer something for everyone to have fun with. The beautiful sights, sounds, and scents of the Municipal Rose Garden will please horticulturists, and parks like the Los Gatos Creek Trail and the Almaden Quicksilver Country Park will thrill outdoor enthusiasts.

Those with a zest for learning will adore the Children’s Discovery Museum, The Tech Museum of Innovation, and the San Jose Museum of Art. Last but certainly not least, the City of San Jose holds a number of fun events per year, most of which are free to attend and open to the public. These events are always subject to change, and anyone interested shouldn’t hesitate to visit San Jose’s official website.

Low San Jose, CA Mortgage Rates:

One of the best cities in Silicon Valley in San Jose. Great neighborhoods, fun family attractions, a great economy and opportunities for higher education are just some of the reasons why so many people call it home. Historically low mortgage rates in San Jose, California have enabled more people to buy homes which has enabled the economy to grow. This trend should continue as more companies continue to expand.

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