CaliLoanPro — Real Estate & Mortgage SolutionsChris Johnson · Affinity Mortgage
Conventional Loans

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.

Conventional Loans by City

Conventional financing works differently depending on where you're buying — here's what it looks like across Santa Clara County:

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