* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
As you embark on your quest for the perfect home in San Jose, let us guide you with unmatched expertise. Sammamish Mortgage has been a trusted ally for homebuyers in San Jose for over three decades, aiding them in navigating the complexities of securing their dream homes. From the tech-driven heart of Silicon Valley to the tranquil beauty of the Almaden Valley, we’re deeply familiar with San Jose’s unique landscape and are dedicated to assisting you at every step of the mortgage process.
Engaging with San Jose’s competitive real estate market? Understanding that mortgage rates in this innovation hub can be affected by numerous factors is key:
Achieving an optimal mortgage rate in San Jose means collaborating with a lender who values transparency and your interest. Our Loan Officers at Sammamish Mortgage provide advice tailored to the client’s specific needs without any pressure towards larger loans.
San Jose offers a wide range of housing options to fit every lifestyle, from bustling urban condos downtown to spacious homes in family-friendly neighborhoods. The city’s diverse housing market ensures there’s a match for every homebuyer.
Reflecting the diversity of its housing market, San Jose benefits from our comprehensive loan programs designed to meet the distinct needs of its residents. Whether you’re entering the housing market for the first time or looking to refinance, we have the right solution for you.
In order to secure the most favorable mortgage rate, it is essential to find a trustworthy and reputable mortgage lender. Seek out a mortgage lender that employs highly experienced Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.
San Jose borrowers have a wide range of home mortgage options available to them when it comes to real estate.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives California homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
A mortgage is a loan used to purchase or refinance a home, with the property serving as collateral for the loan.
Eligibility for home loans in California typically depends on factors like credit score, income, down payment, and property type.
The mortgage process usually involves getting pre-approved, submitting a full loan application with documentation, undergoing appraisal and underwriting, and closing on the loan once approved.
Yes, most loans require a down payment, typically 3%–20%, though VA and USDA loans may offer zero down.
Conventional loans generally require a credit score of 620+, FHA loans may allow as low as 580, while jumbo loans often need 700+.
A conforming loan falls under Fannie Mae/Freddie Mac limits ($806,500 baseline in 2025, up to $1,209,750 in high-cost counties), while jumbo loans exceed these loan limits.
Popular options include conventional, FHA, VA, USDA, and jumbo loans.
Closing costs typically range from 2% – 5% of the loan amount, including fees, title insurance, and escrow.
Usually the buyer, but sellers sometimes offer credits to cover part of them.
Yes, if your down payment is less than 20% on a conventional loan, or with FHA loans regardless of down payment.
Yes, but you’ll typically need a larger down payment and higher credit score.
Yes, lenders may accept bank statements, tax returns, or other income documentation to qualify self-employed borrowers.
Yes, you can refinance to lower your rate, change loan terms, or access equity through cash-out refinancing.
Sammamish Mortgage offers $1 lender fees, in-house underwriting for faster approvals, competitive rates, vast network of lenders, and over 1,500 5-star reviews from satisfied clients.
Licensed by California Department of Protection and Innovation under the California Residential Mortgage Lending Act.
Whether you’re buying a home or ready to refinance, our professionals can help.
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