About San Jose Real Estate
San Jose is the heart of Silicon Valley. Extraordinary tech wages and limited supply create one of America's most expensive markets.
San Jose Housing Market Overview
Median prices exceed $1.45 million. Willow Glen, Almaden Valley, and Evergreen are popular family areas. Downtown revitalization adds condos. The market is sensitive to tech employment and stock compensation cycles.
Mortgage Lending in San Jose
Jumbo loans dominate due to prices well above the $1,209,750 conforming limit. RSU vesting, stock options, and signing bonuses need specialized underwriting. Many lenders offer tech-worker-specific programs.
Self-Employed Mortgages in San Jose
The startup ecosystem means many borrowers have non-traditional income. Bank statement loans, asset-depletion programs, and cross-collateralization serve self-employed tech professionals.
Investment Property Loans in San Jose
Strong tech-sector rental rates drive investment demand. DSCR loans work for multi-family near transit. Lower cap rates are offset by strong rent growth and appreciation.
Available Loan Programs in San Jose
Save Financial offers the following mortgage programs for San Jose homebuyers and homeowners:
Traditional financing backed by Fannie Mae/Freddie Mac. Lowe...
Government-insured with low down payments and flexible credi...
Zero down payment for eligible veterans, active duty, and su...
Financing above California's $1,209,750 conforming limit for...
Replace your mortgage to lower your rate, change your term, ...
Investment property loans qualified by rental income — no pe...
Comprehensive mortgage solutions for business owners, freela...
Why Save Financial for San Jose Mortgages?
Save Financial, Inc. is a trusted California mortgage brokerage (NMLS #377740, DRE #01875766) with offices in Newport Beach and Marina del Rey. We have 45 years of combined experience and work with 20+ wholesale lenders to deliver competitive rates across 35 loan programs — including conventional, FHA, VA, jumbo, hard money, bank statement, DSCR, and no-income options. Our $500 price guarantee means if we can't beat another lender's written offer for your San Jose mortgage, you receive $500.
We serve San Jose borrowers 7 days a week, 9AM–8PM. Our team speaks English and Spanish.