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Experience the perfect blend of Spanish Colonial charm and world-class surfing in Orange County's premier coastal community, halfway between Los Angeles and San Diego.
Explore mortgage options in San Clemente, Orange County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Homebuyers can also explore options available in nearby Dana Point, and San Juan Capistrano. Get personalized rates and expert guidance from SRK Capital's local mortgage team.
Spanish Village by the Sea market data
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* Rates shown as of Mar 28, 2026, 3:53 PM 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 oceanfront community with bluff estates, beach bungalows, and direct beach access
Luxury master-planned community featuring Mediterranean homes, golf course, and extensive amenities
Hilltop neighborhood offering panoramic ocean and mountain views with modern architecture
Family-oriented community with spacious homes, top schools, and resort-style amenities
Historic downtown area near the pier, featuring condos, shops, and vibrant dining scene
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 San Clemente
From beachfront estates to family-friendly neighborhoods, we'll help you secure financing for your dream home in this legendary surf town and Spanish Colonial gem.
Updated 3/28/2026
Orange Ca San Clemente is updated daily with practical mortgage guidance for this page.