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Santa Barbara California Mortgages

Shopping for real estate in Santa Barbara? We can find you the best mortgage or home equity product, whether you are just starting out, or trading up or down.

The Santa Barbara Economic Forum predicts that housing will continue to be in demand, while prices flatten as inventory increases. Santa Barbara was a finalist in CNN Money’s Best Places to Live, making property in Santa Barbara a solid investment. One thing we can guarantee is that with California Mortgage we will find you the best rate in Santa Barbara, no matter what your credit situation might be. We work with local and national lenders to make sure that you get the best rate possible.

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Buying a new home in Santa Barbara

How much house can you afford in Santa Barbara? We have online mortgage calculators that can help you figure how much home will fit into your monthly budget. Other factors to consider when buying a home are; what are current mortgage rates; what kind of loan program might work for you; and what are Santa Barbara property taxes. Don’t forget there are many other home options out there specifically for California residences.

Refinancing in Santa Barbara, CA

Remember, a refinance loan is a great way to pay off your high interest credit cards, pay for education, make an addition to your house, or simply enjoy the equity you have worked hard to build in your home. It may also be time to lock in long-term fixed rates on your mortgage, ensuring a predictable monthly payment rather than the variability of adjustable rates. Refinancing can be intimidating. That is why we are here.We have some great online refinance calculators that can help you figure out what your new payments will be, how much you can save over the life of the loan, and how much you might want to pull out of your home based on monthly payments.

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Quick Santa Barbara Housing facts

Median Household Income: $61,682
Median Santa Barbara Home Value: $1,045,144
Home price gain, 2 – 5 years: 33.06%

Santa Barbara, CA Taxes

The property tax rate in California is 1%, or $1 for every $100 assessed value, with a 2% increase each subsequent year. Be sure to check whether your property is in a special levy district. There could be local bonds issued after a referendum voted locally for schools, libraries, sewers, etc.

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This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

 

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