Conventional Loans in San Jose & Santa Clara County
Conventional loans are the most common mortgage type in the Bay Area — flexible, competitive, and available for a wide range of buyers and properties. I have helped hundreds of Santa Clara County families close with conventional financing.
Who this is for
- Buyers with good credit looking for the best rates
- Borrowers with 3–20%+ down payment
- Purchases of primary residences, second homes, or investment properties
- Move-up buyers transitioning into a new home
Loan highlights
Loan amounts up to conforming and high-balance thresholds
Fixed and adjustable rate options
PMI can be removed once you reach 20% equity
Available for single-family homes, condos, and multi-unit properties
Frequently asked questions
Typically 620 minimum, with the best rates reserved for borrowers at 740 and above.
As low as 3% for qualifying first-time buyers, and 5% for most other buyers.
For 2026 the baseline conforming limit is $832,750, with a high-balance conforming limit up to $1,249,125 — among the highest county limits in the country, reflecting Bay Area home values.
Yes — with 15–25% down depending on the property type and number of units.
Ready to get started?
A quick conversation is the fastest way to know what you qualify for and what your payment would actually look like.
Get Pre-Approved for a Conventional Loan