Santa Clara County, California

Mortgage Broker in San Jose, CA

Serving San Jose and Silicon Valley homebuyers with personalized mortgage lending. NetCORE Lending™ specializes in jumbo loans for Santa Clara County's high-value market, Non-QM programs for tech professionals with equity-based compensation, and conventional loans with competitive rates from 100+ wholesale lenders.

Get Pre-Approved (714) 399-6361

Silicon Valley

San Jose Housing Market & Mortgage Overview

Median Home Price

$1.45M

Conforming Loan Limit

$1,149,825

Lenders We Shop

100+

San Jose sits at the heart of Silicon Valley, where median home prices regularly exceed $1.4 million and most purchases require jumbo financing. Tech industry professionals often have complex income profiles — base salary plus RSUs, stock options, and bonuses — that traditional lenders struggle to underwrite. NetCORE Lending™'s Non-QM and asset-based programs solve this gap. We also work with first-time buyers using FHA loans in more affordable neighborhoods like Evergreen and Berryessa, and offer DSCR loans for investors purchasing rental properties in San Jose's strong rental market.

Popular San Jose Neighborhoods We Serve

Willow GlenAlmaden ValleyCambrianEvergreenBerryessaSanta TeresaRose GardenWest San Jose

Our Services

Loan Products Available in San Jose

Explore the full range of residential and commercial mortgage options we offer to San Jose homebuyers and homeowners.

Conventional Mortgages

A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.

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FHA Home Loans

Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.

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VA Loans

Exclusive mortgage benefit for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs with no down payment required.

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Jumbo Mortgages

Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.

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Mortgage Refinancing

Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.

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Home Equity Line of Credit (HELOC)

Access your home equity with a flexible revolving line of credit. NetCORE offers HELOCs up to 90% LTV, significantly higher than the typical 65% offered by banks.

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CalHFA Down Payment Assistance

California Housing Finance Agency programs that provide down payment and closing cost assistance to first-time homebuyers. Includes the MyHome Assistance Program and Zero Interest Program (ZIP).

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Non-QM Loans

Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.

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Why NetCORE

Why Choose NetCORE Lending™ in San Jose

Local Market Expertise

Our team understands the San Jose real estate market, current property values, and neighborhood trends so we can recommend the best loan product for your situation.

Bilingual Service

We offer mortgage consultations in English and Vietnamese, ensuring clear communication throughout the loan process for our diverse Silicon Valley community.

Personalized Approach

Every borrower is different. We take the time to understand your goals and financial situation, then match you with the right loan program — whether you are buying your first home in San Jose or refinancing an existing mortgage.

Fast, Transparent Process

From pre-qualification to closing, we keep you informed at every step. Our streamlined process and responsive team mean fewer surprises and a smoother path to homeownership.

Location

Find Us Near San Jose

“Bryan and Joanna are the best highly recommend!!!”

TJ Lacsamana

Conventional Mortgages Client

FAQs

Mortgage Questions for San Jose

Common questions about getting a home loan in San Jose, CA.

Mortgage rates in San Jose, CA change daily based on market conditions. NetCORE Lending™ offers competitive rates on conventional, FHA, VA, and jumbo loans. Contact us at (714) 399-6361 for a personalized rate quote based on your credit profile and loan scenario.

The conforming loan limit in Santa Clara County is $1,149,825 for a single-family home (2025 FHFA limits). Santa Clara County is a designated high-cost area with limits above the national baseline of $806,500. Loans above this amount require a jumbo mortgage, which NetCORE Lending™ also offers.

NetCORE Lending™ is headquartered at 21671 Gateway Center Dr. Suite 207, Diamond Bar, CA 91765, conveniently located near San Jose. We serve San Jose and the surrounding Santa Clara County communities with in-person and virtual consultations.

To apply for a mortgage in San Jose, you will typically need: recent pay stubs, W-2s or tax returns (2 years), bank statements (2 months), government-issued ID, and a signed purchase agreement if buying. Self-employed borrowers may need additional documentation. Our team will guide you through the process.

Get Pre-Approved in San Jose

Ready to buy a home or refinance in San Jose, CA? Start your application today or call us for a free consultation.

Start Your Application (714) 399-6361

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

NMLS# 1484338

Also serving nearby:

San Francisco, CA Sacramento, CA Fresno, CA Bakersfield, CA Los Angeles, CA Pasadena, CA

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026