California Mortgage Rates

Mortgage and Lending with JB Mortgage Capital, Inc. NMLS# 247447

Getting The Best Mortgage Rate In California:

Over 50 million people live in the great State of California and nearly 55% of those households own a home. This is one of two main reasons why the mortgage market in California so competitive; the second is home values. The two of them together make it an ideal place for homebuyers and homeowners to get the best California mortgage rates

California Mortgage RatesOur Suggestion:

If you're looking to obtain the best mortgage rates possible work with companies that have a high rating with the Better Business Bureau and a Loan Officer with at least 5 years of experience. Obtaining a quote from a company with a less than desirable reputation means your taking a risk with a very important financial transaction. That risk could cost your thousands of dollars. It's easy to check the Better Business Bureau website and you can also read client reviews.

Tips That Will Save You Money:

We all want to save money! Billionare Warren Buffet once said: "Do not save what is left after spending; instead spend what is left after saving". Here are three money saving tips you can use to save on your next mortgage transaction:

  • When obtaining quotes ask the Loan Officers: what are the total fees, for everything? Too many people get hung up on points or no points and forget there could be thousands of dollars in other fees.
  • When sending in documentation; send in exactly what is asked for and send it in quickly. 
  • Review the Loan Estiamte; especially the "locked" Loan Estimate. If you notice anything different make sure you ask your Loan Officer asap to review the document with you.
  • Review the Closing Disclosure before you sign loan documents.

Loan Programs:

We offer a wide variety of fixed rate mortgage programs and adjustable rate mortgage programs however the two most popular loan programs are the 30 year fixed and the 15 year fixed rate mortgage. With some mortgage professionals it's actually referred to as the "great deabte". A 30 year fixed mortgage rate vs a 15 year fixed mortgage rate - which one do you chose? We go into detail had to make that choice and welcome any questions you may have about which loan program is better for you.

JB Mortgage Capital, Inc.:

We have an A+ rating with the Better Business Bureau and Loan Officer Kevin O'Connor has a five star rating on From application to closing you'll work directly with Kevin who has over 14 years of exeperience as a Loan Officer in the mortgage industry.  Low mortgage rates and great service; JB Mortgage Capital, Inc.


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Kevin O'Connor

Helping Homeowners Achieve Their Dreams.
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