CaliLoanPro — Real Estate & Mortgage SolutionsChris Johnson · Affinity Mortgage
Loan programs

A loan for every chapter of your life.

With access to a full menu of programs, I help match you with the loan that genuinely fits — not just whatever's easiest to sell.

Available loan programs

Conventional Loans

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Conventional loans are the most common mortgage type for Bay Area buyers with solid credit and stable income. Fixed rates are available in 10, 15, 20, and 30-year terms. In Santa Clara County the baseline conforming loan limit for 2026 is $832,750, with a high-balance conforming limit of $1,249,125 — purchases above that require a jumbo loan. Minimum credit score is 620 but 740 or higher gets you the best pricing. Down payments start at 3% for first-time buyers.

Talk to Chris about Conventional Loans

FHA Loans

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FHA loans are insured by the Federal Housing Administration and designed to help buyers with lower credit scores or smaller down payments get into a home. Minimum credit score is 580 with 3.5% down. In Santa Clara County the FHA loan limit is $1,249,125 for 2026 — high enough to cover a meaningful portion of the market. FHA loans require mortgage insurance but can be removed by refinancing once you reach 20% equity.

Talk to Chris about FHA Loans

VA Loans

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VA loans are available to eligible active-duty service members, veterans, and surviving spouses. They offer $0 down payment, no private mortgage insurance, and competitive rates — some of the best terms available in the mortgage market. Chris has helped many Bay Area veterans use their VA benefit to purchase in San Jose, Campbell, and across Santa Clara County.

Talk to Chris about VA Loans

Jumbo Loans

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Jumbo loans finance properties above the conforming loan limit — which in Santa Clara County means most purchases given current price levels. Most Bay Area buyers require jumbo financing. Key requirements include a credit score of 720 to 740 minimum, 10 to 20% down payment, 6 to 12 months of reserves after closing, and full income documentation. Chris specializes in Bay Area jumbo and works with lenders who understand this market.

Read: Do I Really Need a Jumbo Loan in San Jose? Talk to Chris about Jumbo Loans

USDA Loans

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USDA loans offer zero down payment financing for eligible properties in qualifying rural and suburban areas. Parts of Morgan Hill, Gilroy, and surrounding communities in Santa Clara County may qualify. Income limits apply. For buyers open to these areas USDA is one of the most affordable paths to homeownership available.

Talk to Chris about USDA Loans

Reverse Mortgages

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A reverse mortgage — most commonly the FHA-insured HECM — allows homeowners aged 62 and older to access their home equity without making monthly mortgage payments. Bay Area homeowners have often built substantial equity, making this a powerful retirement planning tool. Chris is a reverse mortgage specialist and can walk you through how the program works, what it costs, and whether it fits your situation.

Talk to Chris about Reverse Mortgages

Self-Employed Loans

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Getting a mortgage when you're self-employed doesn't have to be complicated. Chris works with business owners, independent contractors, consultants, and 1099 earners across the Bay Area using alternative income verification programs that look at actual cash flow — not just tax returns. Options include bank statement loans, 1099-only loans, P&L loans, and asset depletion programs.

Talk to Chris about Self-Employed Loans

Real Estate Investor Loans

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Bay Area investors have access to a full suite of investor-focused loan programs that don't require personal income documentation. DSCR loans qualify based on the property's rental income. Fix-and-flip loans fund fast acquisitions and renovations. Portfolio loans allow flexible underwriting across multiple properties. Multi-unit financing available up to full commercial depending on size.

Talk to Chris about Real Estate Investor Loans

Home Equity & Cash-Out

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Tap into your Bay Area home equity strategically — whether to consolidate debt, fund a renovation, cover a major expense, or invest in another property. Options include cash-out refinance, HELOC, and fixed-rate home equity loans. Chris will help you compare the trade-offs so you pick the right tool for your situation.

Talk to Chris about Home Equity & Cash-Out

Bridge Loans

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A bridge loan lets you buy your next home before selling your current one — using the equity you already have to fund the down payment. This is especially useful in the competitive Bay Area market where timing matters and contingent offers are often at a disadvantage.

Talk to Chris about Bridge Loans

Not sure which loan fits?

A 15-minute conversation usually narrows it down. No commitment, no credit pull.

Talk it through with Chris