Welcome to the December edition of Living Silicon Valley!
December in Santa Clara and the South Bay brings a warm glow of holiday cheer, with festive light displays, Santa meet-and-greets, cheerful neighborhood strolls, and community celebrations filling the month. From twinkling light tours and cozy breakfasts with Santa to bubbly walks, seasonal markets, farm tours, and fun runs that bring everyone together, there are plenty of ways to soak in the season. Whether you're looking for family-friendly outings, spirited holiday traditions, or simple moments of winter magic, December offers something for everyone to enjoy.
Mortgage Rate Update
Santa Clara County Mortgage Rate Update – As of November 24, 2025
Mortgage rates have shown modest shifts heading into late fall, with the latest numbers indicating:
15-year fixed-rate mortgages: approximately 5.63 % (up ~0.12 %)
5-year adjustable-rate mortgages (5/1 ARMs): about 5.80 % (flat)
These align reasonably with broader California trends: the state’s 30-year fixed average is 6.21 %, and 15-year sits near 5.54 %.
Market context:
The 30-year fixed rate has edged higher this week, reversing a short-term dip and reflecting slight optimism about mortgage demand.
ARM rates remain comparatively lower, suggesting adjustable-rate products continue to be priced attractively for buyers willing to assume timing risk.
Individual rates depend on factors like credit score, loan size, and down payment. For tailor-made offers, consult a trusted Santa Clara lender or reputable online comparison platforms.
Christmas In The Park 📆 Nov 28, 2025, to Jan 1, 2026
📍 Plaza de Cesar Chavez, 1 Paseo de San Antonio, San Jose, CA 95113
The Menagerie Oddities Market 📆 Nov 29, 2025, to Dec 27, 2025 @ 10:00 AM
📍 Winchester Mystery House, 525 South Winchester Boulevard, San Jose, CA 95128
Christmas on the Hill Light Show 📆 Sunday, December 7, 2025 @5:30 PM
📆 Wednesday, December 24, 2025 @8:30 PM
📍 West Hills Community Church, 16695 Dewitt AvenueMorgan Hill, CA, 95037
Brunch with Santa at The Hayes Mansion 📆 Dec 14, 2025 to Dec 21, 2025
📍 Hayes Mansion San Jose, Curio Collection by Hilton, 200 Edenvale Avenue, San Jose, CA 95136
