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The city has called itself the City of Good Living since not long after it incorporated in 1925. What sells the town now is the hills, the schools and a main street people actually walk.
Explore mortgage options in San Carlos, San Mateo 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.
Laurel Street, the flats and the hill
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Howard Park sits just west of downtown within walking distance of Laurel
Devonshire climbs the hills with the largest lots and the best views
* Rates shown as of 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, $149.50 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 | © SRK CAPITAL INC.
Homebuyers in San Carlos weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up San Mateo County in the Bay Area, San Carlos moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
San Carlos buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
San Carlos borrowers frequently compare options against nearby communities such as Atherton, Belmont, Brisbane.
There are roughly 44 active listings available.
Updated 9/8/2026
San Mateo Ca San Carlos is updated daily with practical mortgage guidance for this page.