Imperial Beach

Home Loans

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Imperial Beach Home Loans.

Whether you are a first time home buyer or trading up to a larger home in Imperial Beach, 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 Imperial Beach 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 Imperial Beach, 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.

Imperial Beach California Overview & Statistics

Imperial Beach Overview

As of 2007, Imperial Beach's population is 26,137 people. Since 2000, it has had a population growth of -3.17 percent.

The median home cost in Imperial Beach is $499,000. Home appreciation the last year has been -4.95 percent.

Compared to the rest of the country, Imperial Beach's cost of living is 28.00% Higher than the U.S. average.

Imperial Beach public schools spend $5,332 per student. The average school expenditure in the U.S. is $6,058. There are about 20 students per teacher in Imperial Beach.

The unemployment rate in Imperial Beach is 6.90 percent(U.S. avg. is 4.60%). Recent job growth is Positive. Imperial Beach jobs have Increased by 0.30 percent.

Imperial Beach Climate

Imperial Beach, CA, gets 9 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 37.

On average, there are 267 sunny days per year in Imperial Beach, CA. The July high is around 73 degrees. The January low is 45. Our comfort index, which is based on humidity during the hot months, is a 44 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

Imperial Beach Housing

The median home value in Imperial Beach, CA, is $499,000. Home appreciation is -4.95% over the last year. The median age of Imperial Beach, CA, real estate is 37 years.

Imperial Beach, CA Apartments and Rentals

Renters make up 67.45% of the Imperial Beach, CA, population. 4.41% of houses and apartments in Imperial Beach, CA, are unoccupied (vacancy rate).

Imperial Beach Crime

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

Imperial Beach, CA, property crime, on a scale from 1 (low) to 10, is 1. 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.cityofib.com

Imperial Beach Real Estate Agents

California First Time Home Buyers Grants

California First Time Home Buyer Programs

California Home Mortgage Loans