Laguna Niguel

Home Loans

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Laguna Niguel Home Loans.

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

Laguna Niguel California Overview & Statistics

Laguna Niguel Overview

As of 2007, Laguna Niguel's population is 64,771 people. Since 2000, it has had a population growth of 4.65 percent.

The median home cost in Laguna Niguel is $1,000,000. Home appreciation the last year has been 1.02 percent.

Compared to the rest of the country, Laguna Niguel's cost of living is 82.10% Higher than the U.S. average.

Laguna Niguel public schools spend $5,273 per student. The average school expenditure in the U.S. is $6,058. There are about 22 students per teacher in Laguna Niguel.

The unemployment rate in Laguna Niguel is 2.70 percent(U.S. avg. is 4.60%). Recent job growth is Positive. Laguna Niguel jobs have Increased by 0.78 percent.

Laguna Niguel Climate

Laguna Niguel, CA, gets 13 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 35.

On average, there are 273 sunny days per year in Laguna Niguel, CA. The July high is around 76 degrees. The January low is 43. Our comfort index, which is based on humidity during the hot months, is a 54 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

Laguna Niguel Housing

The median home value in Laguna Niguel, CA, is $1,000,000. Home appreciation is 1.02% over the last year. The median age of Laguna Niguel, CA, real estate is 19 years.

Laguna Niguel, CA Apartments and Rentals

Renters make up 25.71% of the Laguna Niguel, CA, population. 2.72% of houses and apartments in Laguna Niguel, CA, are unoccupied (vacancy rate).

Laguna Niguel Crime

Laguna Niguel, CA, violent crime, on a scale from 1 (low crime) to 10, is 2. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

Laguna Niguel, CA, property crime, on a scale from 1 (low) to 10, is 2. 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.ci.laguna-niguel.ca.us

Laguna Niguel Real Estate Agents

California First Time Home Buyers Grants

California First Time Home Buyer Programs

California Home Mortgage Loans