San Jose, CA
San Jose home loans, built for San Jose's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around San Jose's price points — not a one-size template.
How San Jose buyers get to the closing table.
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.
That market shapes the loan. Because Santa Clara County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many San Jose buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work San Jose from the ground up — close to the San Jose skyline backed by the Santa Cruz Mountains. We finance homes across Willow Glen, Almaden Valley, Rose Garden, and Downtown San Jose — and every other corner of San Jose. Looking for a mortgage broker near you in San Jose? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
San Jose market knowledge
Near the San Jose skyline backed by the Santa Cruz Mountains, across Willow Glen, Almaden Valley, Rose Garden — we know how San Jose prices and programs actually work.
High-balance & jumbo ready
San Jose runs among the priciest in California — we structure jumbo, high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Jose file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your San Jose loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Jose, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
San Jose financing that fits the home and the borrower.
For San Jose we lean on jumbo, high-balance — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to San Jose, we also help buyers in Milpitas, Santa Clara, Sunnyvale. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Jose mortgage questions, answered.
What's the 2026 conforming loan limit in San Jose?
In Santa Clara County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in San Jose?
Not always. Many San Jose homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which San Jose neighborhoods do you serve?
We serve buyers across San Jose, including Willow Glen, Almaden Valley, Rose Garden. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Jose?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Jose and the surrounding area.
Do you serve areas near San Jose?
Yes — we also work with buyers in nearby Milpitas, Santa Clara, Sunnyvale. Same process, local loan-limit details for each.
Let's finance your San Jose home.
Straight answers on your San Jose options, and a broker who shops the whole market so you don't have to.