Today’s Mortgage Rates in San Jose

Are you considering purchasing a house in San Jose? Look no further, as this is an excellent starting point. Sammamish Mortgage is here to assist you in acquiring your ideal San Jose home.
San Jose
  • Interest Rate
  • APR

* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment

Navigate Your San Jose Homebuying Journey with Expert Mortgage Solutions Since 1992

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.

Insights into Mortgage Rates in San Jose

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:

  • Your choice of mortgage lender
  • The prevailing interest rates
  • The amount of your down payment
  • Your creditworthiness
  • The mortgage product you choose
  • Any additional fees and closing costs

San Jose’s Mortgage Professionals You Can Trust

Achieving an optimal mortgage rate in San Jose means collaborating with a lender who values transparency and your best interest. Our Loan Officers at Sammamish Mortgage are salaried, ensuring that our clients receive advice tailored to their specific needs without any pressure towards larger loans.

Exploring Housing in San Jose

San Jose offers a wide range of housing options to fit every lifestyle, from bustling urban condos in downtown to spacious homes in family-friendly neighborhoods. The city’s diverse housing market ensures there’s a match for every homebuyer.

Tailored Home Loan Programs in San Jose

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.

San Jose Mortgage Lenders

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 experience Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.


Home Loan Programs

San Jose borrowers have a wide range of home mortgage options available to them when it comes to real estate.

30-year fixed rate loans

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.  

VA loans

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.

FHA loans

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.

Jumbo loans

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.

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