Home loans in San Jose
From Willow Glen bungalows to North San Jose towers, the widest price range in the county.
What buying here actually involves
San Jose is really a dozen markets wearing one name. A Willow Glen craftsman, an Almaden ranch and a North San Jose high rise condo each underwrite differently, and the loan that fits one will often be the wrong tool for another. I have closed in all three and can tell you on the first call which program fits the neighborhood you are shopping.
Neighborhoods I work in
- Willow Glen
- Rose Garden
- Almaden Valley
- Evergreen
- Berryessa
- Japantown
- North San Jose
- Cambrian Park
Local notes for San Jose
The three things that most often decide how smoothly a file here runs.
Condo projects need an early check
Several North San Jose and downtown buildings have HOA litigation or high rental ratios. I check warrantability before you write an offer, not after.
Supplemental tax bills surprise people
Your first year brings a supplemental bill based on the new assessed value. I build it into the payment estimate so the mail is not a shock.
ADUs change the math
Many Willow Glen and Cambrian lots now carry an accessory unit. Rental income from a permitted unit can sometimes help you qualify.
Programs that fit San Jose
The three I use most often in this market.
Jumbo home loans
For Santa Clara County prices above the conforming cap
- Loans to $3,000,000
- 10% down available to $1.5M
- Fixed and 7/6 ARM
6.250%sample rate, 6.341% APR
Conforming and high balance
The workhorse loan for most Bay Area buyers
- 3% down for first time buyers
- Fastest underwriting
- PMI drops off automatically
6.125%sample rate, 6.284% APR
First home purchase
Low down payment paths, gift funds and a plan you can follow
- 3% to 5% down options
- Gift funds welcome
- Free planning calls before you are ready
6.125%sample rate, 6.410% APR
San Jose questions
Asked by buyers and owners in this city.
Call (408) 555-0124 or book a 20 minute slot. No documents needed for the first conversation.
Yes. My office is on North First Street and I keep evening slots for buyers who work in the area. Most people prefer a video call, and that works just as well.
It depends entirely on the neighborhood and the price band. A fully underwritten approval and a same day call to the listing agent is the part I control, and it moves the needle.
Buying or refinancing in San Jose?
Tell me the street and the price and I will tell you what the file needs, usually in one call.
Sample figures across this site are illustrations, not quotes. Equal Housing Opportunity.