San Jose, the heart of Silicon Valley, is known for its technological innovation and diverse real estate market. Local Jumbo provides mortgage solutions that cater to this dynamic area, designed for properties ranging from modern tech campuses to suburban family homes.
Looking for the right mortgage in San Jose? Connect with Local Jumbo’s network of Jumbo Verified™ lenders, offering competitive rates and personalized solutions for your Silicon Valley property!
Tailored Mortgage Options for San Jose’s Tech-Driven Real Estate
San Jose’s real estate market, influenced by its status as a tech hub, features a variety of home styles. Our lenders offer solutions that ensure a suitable match for your San Jose property and its neighboring affluent communities, including Cupertino and Los Gatos.
- A diverse array of mortgage types including ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans
- Specialized financing options for San Jose’s unique properties, including Land and Construction loans
- Customized mortgage solutions for San Jose and surrounding affluent areas like Saratoga and Monte Sereno
- Expert lenders with deep understanding of the San Jose real estate market
- Competitive rates for both home purchases and refinancing in San Jose
Personalized Financing for San Jose’s Diverse Properties
Whether you’re drawn to the innovation of Silicon Valley or the family-friendly suburbs, our lenders offer mortgage plans that align with the unique character of your property and the dynamic nature of the surrounding areas.
2024 NORTHERN CALIFORNIA CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALAMEDA COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| ALPINE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| AMADOR COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| BUTTE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| CALAVERAS COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| COLUSA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| CONTRA COSTA COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| DEL NORTE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| EL DORADO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| FRESNO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| GLENN COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| HUMBOLDT COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| IMPERIAL COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| INYO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| KERN COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| KINGS COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| LAKE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| LASSEN COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| LOS ANGELES COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| MADERA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| MARIN COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| MARIPOSA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| MENDOCINO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| MERCED COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| MODOC COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| MONO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| MONTEREY COUNTY | $ 920,000 | $ 1,177,750 | $ 1,423,650 | $ 1,769,250 |
| NAPA COUNTY | $ 1,017,750 | $ 1,302,900 | $ 1,574,900 | $ 1,957,250 |
| NEVADA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| ORANGE COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| PLACER COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| PLUMAS COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| RIVERSIDE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SACRAMENTO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SAN BENITO COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| SAN BERNARDINO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SAN DIEGO COUNTY | $ 1,006,250 | $ 1,288,200 | $ 1,557,150 | $ 1,935,150 |
| SAN FRANCISCO COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| SAN JOAQUIN COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SAN LUIS OBISPO COUNTY | $ 929,200 | $ 1,189,550 | $ 1,437,900 | $ 1,786,950 |
| SAN MATEO COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| SANTA BARBARA COUNTY | $ 838,350 | $ 1,073,250 | $ 1,297,300 | $ 1,612,250 |
| SANTA CLARA COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| SANTA CRUZ COUNTY | $ 1,149,825 | $ 1,472,250 | $ 1,779,525 | $ 2,211,600 |
| SHASTA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SIERRA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SISKIYOU COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SOLANO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SONOMA COUNTY | $ 877,450 | $ 1,123,300 | $ 1,357,800 | $ 1,687,450 |
| STANISLAUS COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| SUTTER COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| TEHAMA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| TRINITY COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| TULARE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| TUOLUMNE COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| VENTURA COUNTY | $ 954,500 | $ 1,221,950 | $ 1,477,050 | $ 1,835,600 |
| YOLO COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
| YUBA COUNTY | $ 766,550 | $ 981,500 | $ 1,186,350 | $ 1,474,400 |
GET YOUR QUOTE TODAY!
SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND SAN JOSE
Neighborhoods
Willow Glen, The Rose Garden, Downtown, Silver Creek, Almaden, Los Gatos, Cupertino, North Valley, Blossom Valley, Cambrian, Evergreen, Airport / North San Jose, Burbank, Alum Rock & Edenvale.
Zip Codes
95120, 95138, 95135, 95148, 95119, 95131, 95139, 95132, 95134, 95129, 95124, 95121, 95123, 95136 & 95130
Counties
Santa Clara County, San Benito County, Alameda County, Santa Cruz County, San Mateo County, Monterey County, Contra Costa County, San Francisco County, Marin County.