Campbell Mortgage Broker — Based Right Here
This isn't just a service area for me — it's where my office is, and where I've closed loans for years.
Every other city page on this site describes a market I drive to. Campbell is different: my office sits on S. Bascom Avenue, and I know this city's streets, agents, and appraisers because I work among them every day. Campbell's market splits cleanly by property type — condos priced closer to conforming limits, detached homes solidly into jumbo territory — and having a broker who's actually local, not just "serving the area," is exactly the advantage that comes with being based here.
A market split by property type
The 2026 baseline conforming loan limit is $832,750, but Santa Clara County is a federally designated high-cost area, which raises the limit here to $1,249,125 for both conforming and FHA financing on a one-unit property — loans above that are what actually qualify as jumbo in this county.
Campbell's market splits clearly by property type: condos have a recent median around $925,000 — within high-balance conforming range — while detached homes median around $2.28M, well into jumbo territory. Neighborhood medians for detached homes generally run $1.6M in Downtown and Central Campbell up to $2.45M in San Tomas. That means the right loan program here depends heavily on whether you're looking at a condo or a house, not just the city name.
Loan programs Campbell buyers use most
Jumbo & super jumbo loans
The most common path in Campbell's current market, especially in premium pockets like Pruneyard/Dry Creek.
Conventional loans
Viable for buyers in Campbell's more moderately priced neighborhoods and condo/townhome market.
Self-employed / bank-statement loans
Common among Campbell's mix of tech professionals, consultants, and small business owners.
HELOC & cash-out refinance
For longtime Campbell homeowners tapping significant built-up equity after recent appreciation.
Fast-close / hard money options
For buyers who need certainty of close in a market moving this quickly.
VA loans
$0 down and no VA-imposed loan limit for eligible veterans, whether buying a condo or a detached home here.
Campbell's Below Market Rate (BMR) Program
Campbell operates its own BMR (Below Market Rate) Program under Municipal Code Chapter 21.24, its Inclusionary Housing Ordinance first adopted in 2006. Residential projects of five or more units are generally required to include at least 15% affordable units, administered by HouseKeys on the City's behalf.
Selection runs through a lottery-based "Opportunity Drawing," with priority given first to households displaced by required unit replacement, then City of Campbell employees, then existing Campbell residents, then those who work within city limits. Eligible buyers typically need a minimum 3% down payment, with resale and equity-share restrictions keeping the home affordable long-term. It's a genuinely active, currently-approved program — worth checking if you or a family member may qualify.
Local, not corporate — literally
I don't just serve Campbell — I work here. My office is on S. Bascom Avenue, and the appraisers, agents, and escrow officers I've built relationships with over 30+ years are the same people you'll likely encounter buying or refinancing here. That's a different kind of local than "based nearby" — it's the difference between a broker who understands this city and one who's simply willing to drive here.