Low Rates, Fast Closings, And Exceptional Service.

Torrance, California Mortgage Rates

If you are buying a home or refinancing a mortgage then you are in the right place.

I have over 16 years of experience providing low mortgage rates in Torrance, California along with fast closings and exceptional customer service. We have an A+ rating with the Better Business Bureau along with a Five Star Rating with Zillow.

From the initial quote to the final close I’ll work directly with you to ensure your loan process is smooth and efficient. 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 Torrance, California

Torrance, California Mortgage Calculator

Using our Torrance, 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 Torrance, 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







A Safe City To Live In

Tourists will find Torrance, CA in the South Bay area of Los Angeles County and one of the primary attractions of Torrance is its 1.5 miles of Pacific Ocean beaches. The climate in this city is moderate with warm temperatures, humidity is low with ever-present sea breezes.

This sizable city has over 150,000 citizens and there are extensive industrial and residential areas which can be accessed by any of the 90,000 streets of Torrance. The city has no less than 30 well developed and attractive parks. This city is considered to be one of the safest in Los Angeles County and one of the reasons for this is the consistently low crime rate. With 9% of the population is of Japanese descent, Torrance has the 2nd largest Japanese community in the US after Honolulu.

Torrance, California mortgage rates

Old Town Torrance

Several notable developers such as Jared Sidney Torrance started to realize the potential of the region in the early 1900s and they started to develop a mixed residential-industrial community in the southern regions of Los Angeles. As time went on low mortgage rates and job growth helped propel home values even higher (check current mortgage rates in Torrance). Incorporation of Torrance came in 1921 and the city was named after Mr. Torrance. Incidentally, the first two residential avenues in Torrance was first Gramercy followed soon after by Andreo.

These avenues are almost a hundred years old and in fact, some of those homes along them have been built in 1912. This entire area is known as Old Town Torrance and plans are underway to classify the area as a historical district. Irving Gill was a renowned Californian architect and many of the historic buildings have been designed by him.

Great Location

Torrance lies next to the Redondo beach with the Palos Verdes peninsula on the other side. This makes Torrance a coastal community with a similar climate to other towns and cities in the Greater Los Angeles area. Under normal conditions, it takes about 30 minutes to drive from Torrance to Downtown Los Angeles. Prior to all this Torrance as part of the Tongva Native American homeland, this was changed by the Spanish in 1784.

A Strong Jobs Market

Several large corporations have their headquarters in Torrance such as Honda Motor Company, Rapiscan Systems, Alcoa fastening systems, Robinson helicopters, Honeywell’s Garrett Turbochargers, and Pelican products. More than 15,000 people are employed by the top ten companies. This is one reason there is a flourishing property market in this city and there are many excellent investment opportunities that can generate excellent long-term profits for property investors and residents of this city.

One of the most popular shopping attractions is the Del Amo Fashion Center which covers an astounding 2.5 million sq. feet. This makes it one of the five largest in the US. Torrance has established itself as a financial powerhouse as well as a cultural hub in the region which is why families and property investors should take a long look at everything offered to them by Torrance.

Low Torrance, CA Mortgage Rates

There are many reasons why people should consider buying a home here. Great family neighborhoods, the beach, it’s close to Los Angeles and it has a good economy. These are just some of the reasons why so many people have bought homes here. Low mortgage rates in Torrance, California have enabled more people to buy homes. This trend should continue as the economy continues to expand and more jobs are created.

Additional California Cities

If you’re looking for additional information on another Southern California city please be sure to visit the main Southern 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.