Santa Clara, California Mortgage Rates

If you are looking to purchase a home or refinance a current mortgage then you’ve come to the right place. We offer low Santa Clara, California mortgage rates 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.

From the initial quote to the final closing I will work directly with you to ensure the process is smooth and efficient. Contact me directly for a no-cost/no-obligation quote and see what makes us different.

Mortgage Rates In Santa Clara, California:

FHA Mortgage Rates

Jumbo Mortgage Rates

The Early Days:

Incorporated way back in 1852, Santa Clara, CA boasts a rich and interesting history that can be studied and enjoyed by most everyone in California and the country. With that said, it’s the city’s current sights, thriving economy, and status as the epicenter of Silicon Valley that attract the attention of so many today.

Santa Clara offers the best of leisure, business, and life. Over 120,000 people call Santa Clara home.

Santa Clara, California mortgage rates

Educational Opportunities:

The Santa Clara Unified School District operates the city’s numerous public schools, all of which receive consistently high marks from students and parents. Several private schools are also located in Santa Clara, including Live Oak Academy and Saint Justin School.

Santa Clara University, Mission College, and Golden State Baptist College serve as Santa Clara’s primary higher-education institutions and are attended by students from across the United States.

And then there is the Santa Clara County Public Library’s; known for its importance to the local community.

Santa Clara University:

Santa Clara University is “The Jesuit University of Silicon Valley” and has six major areas of undergraduate study and six major areas of graduate study.


  • College of Arts and Sciences
  • Leavey School of Business
  • School of Law
  • School of Engineering
  • Jesuit School of Theology
  • School of Education and Counseling Psychology


  • School of Education and Counseling Psychology
  • School of Law
  • Leavey School of Business
  • Jesuit School of Theology
  • School of Engineering Graduate Programs
  • Graduate Program in Pastoral Ministries

Santa Clara University offers student housing on campus, clubs and recreational activities for all its students.

Santa Clara County Public Library’s:

The Santa Clara Public Library, which covers all of Santa Clara County, consists of nine branches (including in that is a Bookmobile) – source, each of which offers the latest books and films to visitors.

Here are the locations of each library:

  • Bookmobile (multiple locations)
  • Campbell Library – 77 Harrison Ave, Campbell, CA 95008
  • Cupertino Library – 10800 Torre Ave, Cupertino, CA 95014
  • Gilroy Library – 350 W 6th St, Gilroy, CA 95020
  • Los Altos Library – 13 S San Antonio Rd, Los Altos, CA 94022
  • Milpitas Library – 160 N Main St, Milpitas, CA 95035
  • Morgan Hill Library – 660 W Main Ave, Morgan Hill, CA 95037
  • Saratoga Library – 13650 Saratoga Ave, Saratoga, CA 95070
  • Woodland Branch Library – 975 Grant Rd, Los Altos, CA 94024

As you can see the number of libraries with the county and their geographical location is designed to benefit all residents.

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.

Lots Of Family Activities:

There is much to see and do in Santa Clara, and thanks to the city’s warm year-round temperatures, there’s no shortage of time to experiences all these sights and activities.

Cedar Point owns and operates California’s Great America, a 100-acre amusement park located in Santa Clara. Additionally, a massive football arena, Levi’s Stadium, is located in Santa Clara and serves as the official stadium of the NFL’s San Francisco 49ers.

California’s Great America:

Many people drive from around the Bay Area to visit this great theme park. California’s Great America has lots of rides and roller coasters for the entire family along with a fantastic water park. The Demon, Flight Deck and Drop Tower are some of the most popular rides along with Rip Roaring Rapids.

Check Out The Scenic Parks:

In terms of nature, Santa Clara’s 35+ parks comprise over 450 acres of land! Enjoying magnificent views while hiking, kicking back at NFL games, and screaming loudly while experiencing gravity-defying roller coasters sounds pretty good, and Santa Clara locals get to do all these things and more on a regular basis.

Mortgage rates in Santa Clara, California

A Strong Economy:

In terms of business, employment opportunities, and finance, Santa Clara is second-to-none. The city, which is once again located in the middle of Silicon Valley, contains the headquarters of Namco Bandai, Intel, Marvel, McAfee, and many others. Over 90% of the city’s residents have graduated high school, and the city’s per-capita and average household income levels are well above national averages.

Home Values:

Due to the high home values, many homeowners have jumbo loans attached to their homes. 20% of the city’s workforce is employed in the science, professional, and technical sphere, 20% of residents work in manufacturing, and about 10% work in healthcare, retail, and education.

Bank of the West, SVB Financial Group, and many other financial institutions provide top-quality services to clients. Moreover, anyone looking to purchase or rent a Santa Clara home or apartment can contact any one of the city’s many reputable realty experts, including HomeLight and HeatherLin.

Low Santa Clara, CA Mortgage Rates:

It’s a great place to call home. Beautiful neighborhoods, a good economy, and opportunities for higher education are just some of the reasons why so many people call it home. Low mortgage rates in Santa Clara, California have enabled more people to buy homes which has helped grow the economy. According to local real estate experts, this trend should continue as the economy continues 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.

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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