Santa Barbara, California Mortgage Rates

For over fifteen years I’ve worked with homeowners in Santa Barbara to help them achieve the dream of homeownership. If you are looking to buy a home or refinance a current mortgage than contact me directly for a no-cost/no-obligation quote and see what makes us different. We offer low mortgage rates in Santa Barbara, California along with fast closings and personal one-on-one service. These are some of the reasons why we have an A+ rating with the Better Business Bureau and a Five Star rating with Zillow.

Mortgage Rates In Santa Barbara, California:

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Jumbo Mortgage Rates

Santa Barbara, California Mortgage Calculator:

Using our Santa Barbara, 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 Santa Barbara, 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 Santa Barbara, California:

It isn’t difficult to become used to waking up inside a Mediterranean-style home with a gorgeous view of the Pacific Ocean clear through one window, a magnificent view of the Santa Ynez Mountains clear through another window, and the energy and atmosphere that such one-in-a-million sights bring coursing through the air.

Furthermore, this is exactly what Santa Barbara, California’s 91,000+ residents and the thousands upon thousands of annual vacationers experience each and every day. The atmosphere, culture, and excitement of the city are accordingly unprecedented.

Santa Barbara, California mortgage rates

Right Next To The Pacific Ocean:

With the aforementioned Pacific Ocean view and the Santa Ynez Mountains to its credit, it goes without saying that Santa Barbara, CA a is beautiful place. More specifically, though, the city’s fantastic year-round weather (which was ranked “Best in America” in 2018 by US News), Los Padres National Forest (which lies beyond the Ynez Mountains), and Channel Islands National Park (which can be found about 20 miles offshore) help to make its natural offerings even more appealing to visitors and residents.

Activity-wise, the talents and personalities of Santa Barbara’s residents (and the talents and personalities of individuals from other locations, of course) can be enjoyed during the Santa Barbara International Film Festival, the Summer Solstice Parade, and more, which are attended by 50,000 and 100,000 individuals annually, respectively. These and other events harness and demonstrate the overwhelmingly positive atmosphere that Santa Barbara boasts.

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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.

Santa Barbara Has A Lot To Offer: UCSB Gauchos

More than 85% of Santa Barbara’s residents have attended high school, and the city’s per-capita income and median household income are well above the national averages. Healthcare, accommodation, education, professional/scientific fields, and retail each employ about 10% of Santa Barbara’s workforce; this economic diversity is an important part of what sets Santa Barbara, apart from many other cities.

SB’s classic Spanish architecture can be optimally arranged and maintained by well-reviewed interior designers and companies, including Chris Moore Interior Design, Keeping Interiors, and SFA Design.

Those in need of a home or apartment to rent or purchase can consult any one of Santa Barbara’s numerous real estate professionals, including the Santa Barbara Association of Realtors and Keller Williams Realty Santa Barbara. And these high-quality professional services coordinate to assure that Santa Barbara residents will have each of their home- and work-related needs covered.

Educational Opportunities:

Educationally, Santa Barbara is solid to say the least. Santa Barbara and Hope school district facilities provide public schooling opportunities for elementary, middle school, and high school students. In terms of higher education, universities such as University of California, Santa Barbara (UCSB), Westmont College, Antioch University, and more educate some of the brightest pupils in California and the country.

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.

The Weather Is Near Perfect:

Warm year-round temperatures, plenty of sunshine, an ocean view, glorious mountains, great employment opportunities, and kind locals should be enough to convince anyone to join the party and visit—or move to—Santa Barbara.

Low Santa Barbara, CA Mortgage Rates:

Who wouldn’t want to live in one of the most beautiful coastal cities in California? Great neighborhoods, beautiful homes, fun attractions, the beach, and a good economy are just some of the reasons why so many people want to live in SB. Historically low mortgage rates in Santa Barbara, California have enabled more people to buy homes and local real estate experts expect this trend should continue as the economy grows.

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