Santa Cruz, California Mortgage Rates

Low mortgage rates in Santa Cruz, California along with a good economy have helped create a strong housing market in the coastal city. For more than 15 years I’ve worked with homeowners in Santa Cruz, CA achieve the dream of homeownership. Low rates, fast closings, and personal one-on-one service is what sets us apart from other mortgage companies.

We have an A+ rating with the Better Business Bureau and a Five Star rating with Zillow. If you are looking to purchase a home in Santa Cruz or if you are looking to refinance a current mortgage then contact me directly for a no-cost/no-obligation quote.

Mortgage Rates In Santa Cruz, California:

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Jumbo Mortgage Rates

Santa Cruz, California Mortgage Calculator:

Using our Santa Cruz, 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 Cruz, 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 Cruz, California:

Between breathtaking waterfront views, kind locals, exciting activities and sights, and incredibly interesting culture, there’s a lot to appreciate in Santa Cruz, CA which was chartered all the way back in 1876, and is presently home to about 65,000 citizens.

Santa Cruz, California mortgage rates

A Strong Economy:

If all Santa Cruz offers residents and visitors is to be understood, the citizens who populate the city—those who make Santa Cruz what it is—must first be understood. More than 93% of SC’s citizens graduated high school; over 50% hold a college degree, and nearly a third are currently attending college. Santa Cruz residents are learning, but that doesn’t mean they’ve stopped earning.

The city’s per-capita and median household incomes are more than the national averages. Numerous top-quality elementary, middle and high schools are located in Santa Cruz, as are reputable higher education institutions like the University of California, Santa Cruz, Cabrillo College, and Five Branches University.

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.

Activities For The Entire Family:

Santa Cruz’s entertainment opportunities and activities are substantial—in quality and quantity. Because the city is situated on the coast, the Pacific Ocean’s refreshing waves prompt many to partake in water sports. To be sure, between Santa Cruz’s coastline and its numerous bays and lakes, you don’t have to think twice about snorkeling, scuba diving, or simply taking a dip; countless clubs and groups enjoy the water daily.

The Santa Cruz Beach Boardwalk holds the notable distinction of being California’s oldest amusement park and is an awesome place to unwind and have fun. Moreover, the Santa Cruz Museum of Natural History, the Santa Cruz Museum of Art and History, and more are intriguing establishments in their own right.

The Warf and Farmers Market:

Culturally, Santa Cruz is a very, very active city. The Santa Cruz Film Festival, the Wharf to Wharf Race, and the Santa Cruz Farmers’ Market provide a taste of the city’s local flair and the talents of its residents. World-famous Santa Cruz Bicycles is a prominent fixture in the city.

Lastly, Santa Cruz offers locals and visitors a wide array of professional financial services.  The Santa Cruz County Bank, Lighthouse Bank, and Bank of the West are sure to be able to meet your financial needs, whether you’d like to open an account, receive a loan, or benefit from another bank service.

Home Values Are High:

Home-wise, there’re a lot of positive signs in Santa Cruz. The median home value in is over $890,000 and the city’s unique and appealing architecture most always draws compliments and admiration from visitors. Low mortgage rates and strong income levels have helped elevate home values in the area. Residents and those moving to Santa Cruz can obtain the latest mortgage rate information from our website.

Anyone in the market for a home, apartment, and/or commercial building can consult SC’s many reputable real estate firms and professionals, including Vanguard Realtors, Jessica Wallace Realty, and Bailey Properties, amongst others, for top-notch assistance.

Low Santa Cruz, CA Mortgage Rates:

There are many reasons why people should consider living here. Great neighborhoods, the beach, family fun attractions, and opportunities for higher education are just some of the reasons why thousands of people call it home. Historically low mortgage rates in Santa Cruz, California have enabled more people to buy homes and we believe this trend should continue as the economy continues to grow.

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.

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