Low Rates, Fast Closings, And Exceptional Service.

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

Santa Clara, California Mortgage Calculator

Using our Santa Clara, 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 Clara, 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 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.

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 Northern California city please be sure to visit the main Northern California page.

Loan Officer Kevin O'Connor

About The Author

Loan Officer Kevin O'Connor has over 17+ years of experience as a Mortgage Loan Originator and is licensed by the state of California and the Nationwide Mortgage Licensing System. He has a top rating with the Better Business Bureau, Google, Yelp, and Zillow. CA DRE #01499872 / NMLS #247447

Additional Articles

Homes in Sacramento

Check Today's Rates

Check out today's mortgage rates and use our online mortgage calculator.

Family using the California DRE website

Conforming Loan Limits

Look up your conforming loan limit and review your options. All 58 counties are listed.

FHA 203(k) loan in California

California Homebuyer

The complete online homebuyer guide to getting a mortgage including homebuyer tips.