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.
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. Source: FHFA 2026 limits. We’ll verify your numbers.
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, as she’s done 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, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing, or comparing paths — apply here or call (949) 522-7310.
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.
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?
Santa Clara County is high-cost, so a San Jose single-family purchase can reach $1,249,125 and stay conforming. FHFA resets these yearly; we'll verify your San Jose scenario.
Is a jumbo loan the norm for San Jose purchases?
San Jose's price points mean jumbo and high-balance financing come up constantly on San Jose files. We map your purchase against the limit first, then make lenders compete for it.
Do you cover all of San Jose?
We work San Jose citywide — Willow Glen, Almaden Valley, Rose Garden, Downtown San Jose included. Where in San Jose you buy doesn't change how hard we shop.
Can you handle my San Jose purchase remotely?
Absolutely. San Jose is core coverage for a California broker like us (NMLS #2629064); San Jose clients work directly with owner Esther Buede remotely.
Do you cover the towns around San Jose?
Milpitas, Santa Clara, Sunnyvale — all covered alongside San Jose, each with its own limit details worked in.
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.