Half Moon Bay

Home Loans

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Half Moon Bay Home Loans.

Whether you are a first time home buyer or trading up to a larger home in Half Moon Bay, we work to find the best home loan solution for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For Half Moon Bay Home Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a mortgage lender in Half Moon Bay, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify.

Half Moon Bay California Overview & Statistics

Half Moon Bay Overview

As of 2007, Half Moon Bay's population is 12,308 people. Since 2000, it has had a population growth of 3.94 percent.

The median home cost in Half Moon Bay is $1,098,900. Home appreciation the last year has been -8.35 percent.

Compared to the rest of the country, Half Moon Bay's cost of living is 102.31% Higher than the U.S. average.

Half Moon Bay public schools spend $4,939 per student. The average school expenditure in the U.S. is $6,058. There are about 21 students per teacher in Half Moon Bay.

The unemployment rate in Half Moon Bay is 3.60 percent(U.S. avg. is 4.60%). Recent job growth is Positive. Half Moon Bay jobs have Increased by 2.31 percent.

Half Moon Bay Climate

Half Moon Bay, CA, gets 27 inches of rain per year. The US average is 37. Snowfall is 0 inches. The average US city gets 25 inches of snow per year. The number of days with any measurable precipitation is 82.

On average, there are 259 sunny days per year in Half Moon Bay, CA. The July high is around 64 degrees. The January low is 43. Our comfort index, which is based on humidity during the hot months, is a 63 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

Half Moon Bay Housing

The median home value in Half Moon Bay, CA, is $1,098,900. Home appreciation is -8.35% over the last year. The median age of Half Moon Bay, CA, real estate is 28 years.

Half Moon Bay, CA Apartments and Rentals

Renters make up 24.03% of the Half Moon Bay, CA, population. 2.63% of houses and apartments in Half Moon Bay, CA, are unoccupied (vacancy rate).

Half Moon Bay Crime

Half Moon Bay, CA, violent crime, on a scale from 1 (low crime) to 10, is 3. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

Half Moon Bay, CA, property crime, on a scale from 1 (low) to 10, is 3. Property crime includes the offenses of burglary, larceny-theft, motor vehicle theft, and arson. The object of the theft-type offenses is the taking of money or property, but there is no force or threat of force against the victims. The US average is 3.

For related resources see also:

www.half-moon-bay.ca.us  

Half Moon Bay Real Estate Agents

California First Time Home Buyers Grants

California First Time Home Buyer Programs

California Home Mortgage Loans