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Find your dream home in LA's iconic beach city with world-famous pier, Third Street Promenade, tech hub Silicon Beach, and unmatched coastal lifestyle.
Explore mortgage options in Santa Monica, Los Angeles County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK Capital's local mortgage team.
Premier beach city with Silicon Beach tech hub and iconic pier
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* Rates shown as of Mar 29, 2026, 3:02 AM PST and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © 2026 SRK CAPITAL INC.
Prestigious luxury homes with top schools and beach proximity
Laid-back beach vibe with historic bungalows and ocean views
Urban beach lifestyle near pier, shopping, and Expo Line
Central location with diverse housing and Memorial Park
Family-friendly neighborhood near Santa Monica Airport
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Discover mortgage opportunities in communities near Santa Monica
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From Ocean Park bungalows to North of Montana estates, secure financing for your piece of this iconic beach city with world-class amenities.
Updated 3/29/2026
Los Angeles Ca Santa Monica is updated daily with practical mortgage guidance for this page.