Your Los Gatos Mortgage Broker
Local financing for one of Silicon Valley's most competitive markets — from a broker based five minutes away in Campbell.
Los Gatos homes routinely sell above conforming loan limits, which means most Los Gatos buyers need jumbo financing to compete. I've spent 30+ years arranging loans across Santa Clara County, including hundreds of Los Gatos-area purchases and refinances — I know which lenders move fastest on jumbo files here, and how to structure an offer that competes in multiple-offer situations.
Why Los Gatos buyers need a specialist
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. With average home values in Los Gatos around $2.7M, nearly every purchase here requires jumbo financing — often well beyond standard jumbo tiers into "super jumbo" territory. Not every lender prices these loans competitively, and not every loan officer has closed enough of them to move quickly when you're up against a 10-day contingency window.
This is where working with a broker rather than a single bank matters: I shop your loan across dozens of lenders rather than one institution's rate sheet.
Loan programs Los Gatos buyers use most
Jumbo & super jumbo loans
Financing beyond conforming limits, structured for competitive Bay Area offers.
Conventional loans
For buyers with strong credit at the lower end of the Los Gatos price range (condos, townhomes).
Self-employed / bank-statement loans
Common in Los Gatos given the concentration of founders, consultants, and 1099 professionals.
HELOC & cash-out refinance
For longtime Los Gatos owners tapping significant built-up equity.
Fast-close / hard money options
For buyers who need certainty of close to win a bidding situation.
Los Gatos' own affordable housing program
Most Los Gatos purchases are well above typical affordability thresholds, but the Town runs its own long-standing program worth knowing about. The Los Gatos Below Market Price (BMP) Housing Program — first adopted in 1979 and most recently updated under Ordinance 2313 and Town Resolution 2020-040 — requires certain new residential developments to set aside a share of units for sale or rent to moderate- and low-income households at below-market prices. These units are deed-restricted to stay affordable long-term.
Eligibility requires meeting Santa Clara County income limits and completing an 8-hour HUD-approved homebuyer education course. It's a narrower path than typical financing — you're applying for a specific designated unit rather than getting assistance toward any home on the open market — but it's worth a call if you or a family member fall in the moderate-income range for the county.
Local, not corporate
I'm based in Campbell — a few minutes from downtown Los Gatos — and I've built relationships with the appraisers, agents, and escrow officers who work this market every week. That local knowledge is often the difference between a loan that closes on time and one that stalls in underwriting over something a Los Gatos-familiar broker would have caught upfront.