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.
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 conforming loan limit for 2026 is approximately $806,500 — 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 LoansFHA 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 $1,149,825 — 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 LoansVA 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 LoansJumbo 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 LoansUSDA 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 LoansA 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.
Learn how reverse mortgages work Talk to Chris about Reverse MortgagesNon-QM loans are designed for borrowers whose income does not fit traditional W-2 documentation — self-employed professionals, business owners, real estate investors, and others with complex financial pictures. Options include bank statement loans, asset depletion programs, and DSCR loans for investment properties. Chris works with multiple non-QM lenders to find the right fit.
Talk to Chris about Non-QM LoansA 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 LoansChris also works with investors and business owners on financing for multifamily properties, mixed-use buildings, and small commercial spaces across the Bay Area. Programs include conventional commercial, DSCR, and agency small balance loans.
Talk to Chris about Commercial LoansA 15-minute conversation usually narrows it down. No commitment, no credit pull.
Talk it through with Chris