Mortgage strategy for San Jose, CA
Silicon Valley prices, equity-heavy compensation, and jumbo purchases from Willow Glen to Almaden — financing built for how tech earners are actually paid.
San Jose is one of the highest-priced markets in the country, so nearly every purchase here is a jumbo or high-balance loan. That raises the bar on reserves, documentation, and how compensation is presented — details that decide whether an offer clears underwriting on time.
Silicon Valley pay is also unusual: base salary is often the smaller piece next to RSUs, bonuses, and stock. Sam works with lenders who understand vesting schedules and equity income, so your real earning power is what qualifies you.
Programs matched to San Jose buyers
Jumbo and high-balance conforming; programs that credit RSU, bonus, and equity income; asset-depletion and self-employed options; plus conventional and refinance strategy — sourced across 50+ wholesale lenders rather than a single bank's overlays.
2026 conforming loan limit in Santa Clara County
San Jose shares Santa Clara County's high-cost ceiling of $1,249,125, far above the national baseline of $832,750. Even so, Silicon Valley prices mean many purchases clear the ceiling into jumbo territory — Sam handles both sides.
Neighborhoods across San Jose we work in
From Willow Glen and Almaden Valley to Evergreen and Santa Teresa, Sam works with tech professionals, move-up buyers, and owners across San Jose.
Questions San Jose buyers ask
What is the 2026 conforming loan limit in Santa Clara County?
San Jose is in Santa Clara County, a federal high-cost area, so the 2026 one-unit conforming limit is the ceiling of $1,249,125. Because Silicon Valley prices run high, most San Jose purchases still exceed that and use jumbo financing, which Sam structures regularly.
Can tech income like RSUs and stock be used to qualify in San Jose?
Yes. Sam works with lenders who credit vested RSUs, bonus history, and equity compensation — not just base salary — and who understand how Silicon Valley offers are structured, so your full income picture supports the approval.
Start my San Jose financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Los Angeles, San Diego, Sacramento.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.