Southern California Mortgage Rates

If you are buying a home or refinancing a mortgage in Southern California then you’ve come to the right place. I have over 15 years of experience providing low mortgage rates in Southern California. Contact me today for a no-cost/no-obligation quote and see what makes us different. Helping Homeowners Achieve Their Dreams is not just a saying, it’s something my team fully believes in.

Mortgage Rates In Southern California:

FHA Mortgage Rates


Jumbo Mortgage Rates

Our low Southern California mortgage rates is just one reason why we have an A+ rating with the Better Business Bureau along with a Five Star Rating with Zillow. We also offer fast closings and personal one-on-one service from the initial quote to the final close. Unlike other Southern California mortgage brokers and lenders, I’ll work directly with you from beginning to end to ensure your loan process is smooth and efficient.

Mortgage rates in Southern California

Southern California Realtors:

When you are looking to buy a home in Southern California we suggest you hire a Realtor. Southern California Realtors will work worth your Southern California mortgage broker (or lender) to ensure a smooth and efficient transaction. When you are searching around for Realtors in the area make sure you find one with years of local experience and be sure sure to ask lots of questions.

CenterMac Realty Of Southern California:

CenterMac Realty of Southern California is located at 640 North Diamond Bar Blvd., Diamond Bar, CA 91765 and their direct number is (909) 860-9002. In addition to providing residential realty services the company also offers a Real Estate School for those looking to become Realtors.

Murphy and Murphy Southern California Realty:

Chris and Kim Murphy make up the Murphy and Murphy Southern California Realty company and they are located at 130 North Main Ave., Fallbrook, CA, 92028. Their direct number is (760) 310-9292. Their career began in 1996 and they won “Rookie of the Year” with Prudential realty group.

SoCal Realtors And Associates:

Located at 400 South State Street, Suite F, Hemet, CA 92543, this local realty company works with first time home buyers as well as experienced buyers. You can contact SoCal Realtors and Associates directly at 1-888-266-7101.

Harrison Luxury Group:

Under the ReMax Collection realty umbrella, Harrison Luxury Group is located at 5655 Lindero Canyon Road, West Lake Village, CA 91362. Their direct number is (805) 208-7544. According to their website, they are at the forefront of the digital age when it comes to marketing.

SoCal Properties:

Part of the Keller Williams realty group; SoCal Properties is located at 17785 Center Drive N #120, Cerritos, CA 90703. Their direct number is (562) 754-0660. They are a full-service realty company with local experience.

Southern California Banks And Credit Unions:

Some homeowners and homebuyers work with a bank, direct lender or a Southern California mortgage broker for their home mortgage needs. Whichever option you chose make sure you are working with a reputable mortgage broker (or lender), and a Loan Officer with at least five years of experience.

Bank Of Southern California:

With twelve locations the Bank of Southern California offers traditional banking services (business and personal). Their Carlsbad, California branch is located at 3142 Tiger Run Court, Suite 107, Carlsbad, CA 92010. Their direct number is (760)-599-7044. It’s “a growing community business bank” that has local decision-makers.

Credit Union Of Southern California:

Credit Union of Southern California has branches in Los Angeles County, Orange County, and San Bernardino County. Their main office is located at 8028 Greenleaf Ave., Whittier, California, 90602 and their direct office number is (866) 287-6225.

California First National Bank:

Even though the bank (aka CalFirst National Bank) is focused on business owners, not-for-profit organizations, associations and educational institutions they do offer traditional banking services. CalFirst is located at 4 Executive Circle, Suite 120, Irvine, California, 92614. Their direct number is (800) 735-2465.

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.

Living In Southern California:

Southern California is possibly the most well-known portion of the state, with 12 cities boasting populations over 200,000 residents and 35 boasting over 100,000 residents. It’s also home to some of the biggest cities in the entire state such as Los Angeles, San Diego, Irvine, and Chula Vista. When it comes to actually seeing these huge cities, however, it’s not all about the population. It’s about seeing all the things that you can do, whether you’re looking to take a vacation or you’re planning to move there permanently.

Things to Do:

If you’re traveling to Los Angeles for fun then you’re not going to want to miss out on the Getty Center, for one. It features amazing artwork, research and more. It also offers a beautiful villa and a library for those looking to get even more up close and personal. The Griffith Observatory is another amazing spot in LA that you won’t want to miss with telescopes, exhibits and even live shows. Not to mention you’ll get some of the best views of the city.

Even better, the Observatory (like the Getty Center) is completely free to visit. The San Diego Zoo is another extremely popular tourist attraction for those visiting Southern California and features over 3,700 animals from all over the world. You’ll be able to explore their lives, experience amazing interactions and much more.

Of course, no list of tourist attractions in Southern California would be complete without discussing Disneyland theme park in Anaheim. This smaller version of the Walt Disney World theme park in Celebration, Florida is still a spectacular place to experience the Disney Magic.

Another big attraction that definitely deserves recognition is the Hollywood sign, which has gained infamy throughout the country as a representation of the entire state (though it If you’re heading to the beach towns you’re going to want to check out the Santa Monica Pier, where you’ll find an amusement park that’s been around for 100 years. You’ll also find the Pacific Wheel, an aquarium and plenty of shops and restaurants that all make this a great place to check out.

Places to Live:

If you’re planning to move to Southern California you’re going to want a great place to live. Well, throughout the region there are a number of great places you can rent, buy or stay for a short period of time or a long time.

Costa Mesa and Encinitas are two great cities to check out if you’re looking to keep your stay (however long) a little less expensive. Located not far from downtown Los Angeles, Costa Mesa has a suburban look to the homes but also has great shopping, schools, and low crime.

Encinitas is a little further from Los Angeles but not too far from San Diego and offers great amenities including restaurants, activities and definitely surfing. You’ll find that San Diego and Irvine are two of the best neighborhoods overall, whether you’re planning to live in the region or not. Here you’ll find safe areas with great jobs and spectacular schools.

These can be more expensive cities to live in, but both have great features to make up for it. San Diego has the nightlife and beaches while Irvine has the schools and more. Located in the Los Angeles River flood plain is Atwater Village, a small neighborhood that’s pedestrian-friendly, beautiful to look at and full of different housing options. Not to mention you’ll find some of the best food options anywhere.

You’ll find shopping, nightlife and everything you could want when moving to a new area.

Another great place in the Los Angeles area (that you’ve probably never heard of) is Echo Park. It’s located nearby Silver Lake, but here you’re going to find some of the best aspects of California living. The diverse community of Echo Park lends itself to the creative type and that definitely shows in the beautiful adventures you can have here.

California home

Colleges & Universities In Southern California:

When it comes to attending college in the area there are several top options and some are the best known in the country. In fact, coming in at #12 on the U.S News & World Report of Best Colleges is the California Institute of Technology, more commonly known as Cal Tech. It’s a private school and one focused on science and engineering with some of the best research projects around.

The University of California Los Angeles falls just slightly below at #20 on the list, offering a total of 130 different undergraduate studies and 3,000 different courses. Even more than that it offers a law program that comes in at #15 on the list of Best Law Schools from the same organization.

The University of Southern California comes in at #22 on this same list of top universities, as well as the same organization’s list for Best Undergraduate Schools. It’s another private school, more commonly known for cinematic arts, but its business school is definitely a great option too.

If you’re still not convinced Southern California is the place to go to school, there are plenty of options with additional rankings in 2020 as well as some additional rankings in 2019 for the local universities. the University of California San Diego came in at #37, with its small class sizes and excellent research programs.

The University of California Irvine came in at #36 in 2020, up from #45 in 2019, with a highly selective program. You would also find Pepperdine University at #50 in 2020, up from #55 in 2019, with some spectacular programs and alumni, and they come in at #49 on the Best Law Schools list the same year. Other highly rated schools include Brandman University in Irvine, California, Stanford University in Stanford, California and Biola University in La Mirada, CA.

Some Of The Biggest Employers in SoCal:

You likely won’t be surprised by some of the largest employers in Southern California, especially when you take a look at some of the best landmarks and tourist destinations and some of the best universities in the region. These are all just a few of the big employers.

The State of California, of course, is one of the top employers in the entire region, as are the respective city and county governments. Even the government of the United States employs a large number of people here. Statistics show that somewhere around 900,000 people work just within the state and local government of California. The Walt Disney Company is another one that’s likely no surprise, employing somewhere around 30,000 people on their own. This includes people working in their offices, in the parks and throughout the region on other Disney related projects (including the filming going on in Hollywood and surrounding areas).

LAX Is Important To Southern California:

Another large company within the region is the Los Angeles International Airport, more commonly known as LAX. They employ approximately 45,000 people within the region, which isn’t a surprise considering all of the traffic that comes through the airport in a single day. In fact, they rank as the 3rd busiest airport in the entire United States and the world as a whole with approximately 1,659 flights per day.

The Universities of California, specifically Los Angeles, San Diego, and Irvine employ over 60,000 people in total, with other campuses of the University more than doubling that number.

The schools throughout the region employ people in many different professions. Cedar-Sinai Medical Center in West Hollywood employs upwards of 10,000 people, putting it in the top 20 list of companies in California who employ the most people. This medical center is not just a hospital but an academic health center and research center with several thousand physicians on staff as well as several thousand volunteers and other employees.

Other large employers within the region include the National Institutes of Health, VXI Global Solutions, local police departments, and medical centers.

Unique Characteristics:

What you’ll find in most areas of Southern California is a great deal of unique and beautiful architecture, specifically from the Spanish period. This includes stucco walls and red tile roofs as well as arched windows, balconies and bell towers even in modern buildings.

You’ll find Hollywood and Los Angeles here, which lends itself to prominent recording studios for film as well as music. Also, wine production is prominent throughout the entire state with Santa Barbara and Temecula Valley being two of the most popular regions in Southern California.

Diversity in Southern California is a spectacular and unique aspect as is the beautiful weather, and the amazing scenery. The mountains, deserts, and beaches all form unique views that you won’t get anywhere else and no matter what you’re looking for, you can likely find it here.

There’s definitely a great deal about the region that the locals will tell you too, like their propensity for Mexican food, flip flops, and farmer’s markets. Not to mention the fact that public transportation might exist here, but it’s not as popular as just driving yourself (no matter how long it might take).

Great Neighborhoods:

Want to make sure you’re hitting all the best neighborhoods when you travel to Southern California? Well then, you’re going to want to check out some of these great places. Whether you’re looking for iconic parts of the area like Beverly Hills and Hollywood or beach towns like Santa Monica and South Bay, you’ll find some great places to explore and spend your time. Southern California has a great deal to offer.

Malibu is one that you’ve no doubt heard of and for good reason, it’s one of the best beach towns you’ll find in the country, with some beautiful sand and even hiking trails. Not to mention there’s plenty of waves for those who love to head out on the water. If you’re looking for celebrities you have a pretty good chance of finding them here too because this is one of the best places for them as well.

From Santa Monica to Hollywood:

Yet another great beach town is Santa Monica, but you’ll find more than just the beach here. You’ll also find the Pier, which is one of the best attractions around, offering an arcade, amusement park and a whole lot more. Not to mention you’ll be able to do plenty of shopping and find a great place to eat with no problem (and there’s still some celebrities here).

No tourist wants to miss out on Hollywood, right? And you’re not going to want to either. You can see the Hollywood sign, the Walk of Fame, Sunset Strip and the Chinese Theatre. Not to mention you can check out great shops, fantastic restaurants and maybe even see a few celebrities. There’s no end to the amazing opportunities here. Anaheim is another one that’s very similar, boasting plenty of shopping and great landmarks (including Disneyland).

Joshua Tree national park

Death Valley National Park or Joshua Tree National Park are two totally different experiences you will want to check out. Both of these regions have beautiful landscapes, amazing views and of course plenty of wildlife. If you’re the outdoorsy type these are places you’re going to want to see for yourself. Just make sure you take along some water and comfortable shoes so you can explore. The same is true for Big Bear Lake and Sequoia National Park.

Ojai, California:

Ojai is where you want to go if you’re looking for the beauty of Southern California but you’re not the busyness of many of the larger regions. This artsy little town is a great place to explore, as is Laguna Beach. More commonly known for the beaches throughout the area and the many people who visit them, Laguna Beach is also an artistic mecca filled with galleries, museums, and festivals. Don’t miss out on some of the other artsy areas of the region as well. Other popular locations include Long Beach, Santa Barbara, Santa Catalina Island, Pasadena, and Livermore Valley.

The Southern California Adventure:

If you’re looking to travel to Southern California you’re definitely going to have an amazing time. For tourists who want to check out the best landmarks or people who are planning to move and want to work for the best companies, you’re going to find plenty to offer in this region of one of the most amazing states in the country. All you need to do is decide where you’re going to start your adventure.

Low Southern CA, Mortgage Rates:

Low mortgage rates in Southern California have helped increase home values over the last twenty years. Most homeowners and homebuyers chose a 30 year fixed rate loan term. Other popular loan terms are the 20 year and the 15 year fixed. There are those that prefer the Adjustable Rate Loan program which usually has lower mortgage rates (usually).

The most popular ARM loan program is the 7/1 ARM. Mortgage for the 7/1 ARM program is generally .25% below 30 year fixed rates however not all the time. If you are interested in a 7/1 ARM make sure you as your Loan Officer what are the current mortgage rates for that program.

When you are obtaining your mortgage rate quotes make sure you find out the total fees from the loan officer (don’t just ask if there are any points). If you ask what are the “total” fees you’ll have a better understanding of what the loan is costing you.

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 koloans.com. 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