San Jose, CA
San Jose home loans, built for San Jose's market.
High-balance, jumbo, move-up, refinance: whatever a San Jose purchase needs — near Willow Glen or anywhere San Jose — the loan fits the market.
Can a mortgage broker help me buy in San Jose, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving San Jose, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the San Jose file best. Esther Buede, the owner, is the person you talk to.
The 2026 conforming limit for a one-unit San Jose home is $1,249,125 (Santa Clara County, per FHFA). We start every San Jose file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a San Jose home really takes.
San Jose is among the most expensive large metros in the country; AI- and tech-sector wealth sustains demand from high-income buyers, and homes routinely close over list price.
The loan has to fit the San Jose picture. For a San Jose one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for San Jose buyers. So many San Jose buyers use high-balance or jumbo financing — knowing where a San Jose purchase lands against that $1,249,125 line is half the work. San Jose itself prices among the priciest in California, which is part of why Santa Clara County carries a high-cost designation. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 998,000-plus people call San Jose home, spread from Willow Glen to Downtown San Jose, with Milpitas and Santa Clara minutes away. Our San Jose knowledge is street-level — the area around the San Jose skyline backed by the Santa Cruz Mountains included. Willow Glen, Almaden Valley, Rose Garden, and Downtown San Jose — we finance homes in each of them, and everywhere else San Jose reaches. Need a broker near you in San Jose? Everything runs by phone and online, so San Jose expertise comes straight to you.
What you get with a local broker.
San Jose market knowledge
Willow Glen, Almaden Valley, Rose Garden, the streets around the San Jose skyline backed by the Santa Cruz Mountains — we read San Jose's price points like locals, because that's how we work it.
High-balance & jumbo ready
Price tags in San Jose sit at the top of the California market, so we build jumbo, high-balance strategies sized to San Jose.
Lenders shopped for you
We make lenders compete for San Jose business instead of squeezing San Jose buyers into a single bank's box.
Owner-handled
In San Jose you get the owner, Esther Buede, personally — no queue for San Jose files, and the San Jose attention shows in our reviews.
One owner, handling your whole loan.
Owner Esther Buede (individual NMLS #2003644) personally runs each San Jose file — Almaden Valley or any San Jose address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your San Jose purchase, not a template.
Near the San Jose skyline backed by the Santa Cruz Mountains, jumbo files are a San Jose staple for us. For San Jose we lean on jumbo, high-balance — but whatever fits your San Jose file, we shop it: FHA loans, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — apply here or call (949) 522-7310.
For San Jose, that usually means jumbo, high-balance.
If the down payment is the wall between you and a San Jose home, read what assistance actually exists right now — CalHFA reaches San Jose.
San Jose self-employed borrowers get their own path here, qualifying on 1099 income instead of W-2s; San Jose investors have asset-based qualifying too. Santa Clara County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. For the county-level view, including which loans fit Santa Clara County prices, see our Santa Clara County page.
And around San Jose: Milpitas, Santa Clara, Sunnyvale are all in reach. Browse our California service areas →
A licensed California mortgage broker for San Jose: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Jose mortgage questions, answered.
What counts as a conforming loan amount in San Jose?
The 2026 conforming loan limit for a one-unit home in San Jose is $1,249,125, the figure FHFA set for Santa Clara County. Santa Clara County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
Is a jumbo loan the norm for San Jose purchases?
Jumbo applies to a San Jose purchase only when the loan itself is over $1,249,125; at or under that, the loan is conforming. A loan between the $832,750 national baseline and $1,249,125 is high-balance conforming in Santa Clara County. We shop the loan with many lenders and show you the offers side by side.
Do you cover all of San Jose?
Yes, we cover all of San Jose, including Willow Glen, Almaden Valley, Rose Garden and Downtown San Jose. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. A Willow Glen address and a Downtown San Jose address get the same lender shopping from us.
Can you handle my San Jose purchase remotely?
Yes. Owner Esther Buede handles San Jose purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for Santa Clara County is $1,249,125.
Do you cover the towns around San Jose?
Yes, the towns around San Jose are covered, including Milpitas, Santa Clara and Sunnyvale. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a San Jose file.
Let's get you home in San Jose.
Straight answers on your San Jose options, and a broker shopping the whole market for San Jose buyers like you.