San Jose Mortgage Broker
San Jose, California Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local CA expertise, Santa Clara County knowledge, pre-approval in 24 hours.
$1,249,1252026 conforming limit (High-Cost Ceiling)
CA licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
San Jose Mortgage Quick Facts
Santa Clara County qualifies for the FHFA high-cost conforming ceiling. Here's the snapshot of the San Jose, CA mortgage market.
$1,249,125
2026 Conforming Limit
(High-Cost Ceiling)
(High-Cost Ceiling)
$1.4M
Median Home Price
(San Jose Metro)
(San Jose Metro)
970K
Population
(San Jose)
(San Jose)
9 states
Where OnPoint is Licensed
(incl. California)
(incl. California)
Why Use a Mortgage Broker in San Jose
The heart of Silicon Valley sits at the $1,249,125 high-cost conforming ceiling. San Jose mortgages frequently involve RSU and stock-comp income that requires specialized underwriting we routinely place with the right wholesale lender.
Local CA Knowledge
Santa Clara County conforming limits, California-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the San Jose market without delay.
Loan Programs Available in San Jose
Every loan type used in the San Jose, CA market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →Jumbo
Loans above the conforming limit, priced separately by wholesale lenders.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →HELOC
Tap your home equity without touching your first mortgage rate.
Learn more →
Free · 24-Hour Turnaround
Get Your San Jose Mortgage Quote
A licensed California loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A California loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The San Jose Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your San Jose scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the San Jose market.
3
Close in 21-30 Days
Standard close timing for most San Jose purchase loans. Refi typically 21-35 days.
San Jose Mortgage FAQ
What's the 2026 conforming loan limit in
San Jose is in Santa Clara County, which falls under the High-Cost Ceiling conforming tier at $1,249,125. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including California. Our NMLS ID is #2134550. We close loans in San Jose and across the entire state.
How fast can I close a mortgage in
Purchase loans in San Jose typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with San Jose-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across California for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a San Jose mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your San Jose scenario.
Get Your San Jose Mortgage Quote in 24 Hours
Free analysis from a licensed California mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: San Jose mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. San Jose is in Santa Clara County, California, with a 2026 conforming loan limit of $1,249,125 (High-Cost Ceiling). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.