Current Best Mortgage Rates in Santa Maria, CA

If you, along with many other potential homeowners, have been enticed by dropping mortgage rates and are planning on financing your first home, now might actually be the perfect time. Keep in mind, just because average Santa Maria mortgage rates are at their lowest doesn’t mean every lender will be offering an affordable financing option. In order to lower the overall expense of your home purchase as much as possible, it’s recommended you research the rates available locally and find the very best.

Whether you’re interested in a traditional fixed rate mortgage or are planning on obtaining an ARM, there’s a lender in Santa Maria, CA with a great rate for you. Below is a list of the best mortgage rates in Santa Maria across a host of loan types.

Santa Maria Banks and Credit Unions with Lowest Mortgage Rates

Top Santa Maria 15-Year Fixed Mortgage Rates

• JPMorgan Chase Bank, National Association: 2.88%
• • No Orig. Fees
  • Points: 0


• Wells Fargo Bank, National Association: 3.13%
• • Orig. Fees: 1%
  • Points: 0


• Bank of America, National Association: 3.25%
• • No Orig. Fees
  • Points: 1

Best 30-Year Fixed Mortgage Rates in Santa Maria

• JPMorgan Chase Bank, National Association: 3.5%
• • No Orig. Fees
  • Points: 0.25


• Wells Fargo Bank, National Association: 4.13%
• • Orig. Fees: 1%
  • Points: 0.88


• Bank of America, National Association: 4.13%
• • No Orig. Fees
  • Points: 1.13

Lowest Santa Maria 3/1 ARM Mortgage Rates

• Wells Fargo Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• US Bank National Association: 2.88%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Best Mortgage Rates for a 5/1 ARM in Santa Maria

• Wells Fargo Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Bank of America, National Association: 2.5%
• • No Orig. Fees
  • Points: 1.13
  • Caps: 2% per Adjustment Period


• JPMorgan Chase Bank, National Association: 2.63%
• • No Orig. Fees
  • Points: 0.25
  • Caps: 2% per Adjustment Period

Be sure you confirm these interest rates with the lender before applying. Mortgage rates are accurate as of November 1, 2011, but could change at any time. Further, you may be subject to additional requirements or credit approval in order to obtain the lowest advertised Santa Maria mortgage rate.