San Jose Mortgage Broker — Financing for Silicon Valley Buyers
Santa Clara County carries the maximum conforming limit and some of the highest prices in the country. Most local buyers also have compensation structures that standard underwriting handles poorly.
San Jose Mortgage Broker — Mango Stock Mortgage
San Jose buyers are rarely simple W-2 files. Restricted stock units, annual bonuses that dwarf base salary, stock option exercises and equity in private companies are normal here — and each is treated differently by underwriting. Mango Stock Mortgage is licensed by the California DFPI to arrange home loans across Santa Clara County, with attention to how technology compensation is actually documented.
What Makes Financing in San Jose Different
Santa Clara County sits at the high-cost conforming ceiling of $1,249,125, the maximum available anywhere in the continental United States. Given local pricing, a large share of San Jose purchases still exceed it, which puts many buyers into jumbo underwriting where income documentation is scrutinized far more closely. That is where RSU and bonus income becomes decisive: whether a lender will count it, how much history it requires, and whether vesting schedules are treated as continuing income vary meaningfully between lenders.
San Jose Loan Programs
RSU & Bonus Income
Restricted stock and variable compensation can count toward qualifying income — with the right history and the right lender.
Jumbo Loans
Above $1,249,125, which covers a large share of Santa Clara County purchases. Pricing and reserve requirements vary widely.
Condo & Townhome
Dense Midtown, North San Jose and Santana Row inventory with project-level approval requirements.
Asset-Based Qualifying
For buyers with substantial assets but modest documented income — common after a liquidity event.
Conventional High-Balance
At or below the county limit, conforming high-balance generally prices better than jumbo.
DSCR Investor Loans
Qualify a Bay Area rental on property income rather than personal returns.
RSUs Are Not Treated the Same Everywhere
One lender may count your vested RSU income with a two-year history; another may discount it heavily or refuse it outright; a third may require the vesting schedule to extend three years past closing. In Santa Clara County that difference routinely changes qualifying power by hundreds of thousands of dollars.
San Jose Neighborhoods and Areas We Serve
- Willow Glen — Established single-family neighborhood with consistent move-up buyer demand.
- Almaden Valley — Larger lots and higher price points; predominantly jumbo financing.
- Evergreen — Family-oriented, strong schools, steady competition among buyers.
- Downtown & Midtown — Condo and townhome inventory; project warrantability matters.
- North San Jose & Berryessa — Newer construction and transit-adjacent development.
- Santa Clara, Sunnyvale & Campbell — Adjacent Santa Clara County cities on the same loan limits and market dynamics.
San Jose Housing Market and Loan Limits
Santa Clara County carries the maximum 2026 conforming loan limit of $1,249,125. Even at that ceiling, a significant share of San Jose purchases require jumbo financing, where underwriting expects stronger credit, larger reserves and closer examination of income composition. For buyers whose compensation is heavily weighted toward equity, the practical question is rarely whether they can afford the payment — it is whether the lender will count the income that makes it affordable. That is a lender-selection problem, not a borrower problem.
San Jose Mortgage FAQ
Can RSU income be used to qualify for a San Jose mortgage?
Often yes. Many lenders will count vested restricted stock units as qualifying income with a sufficient history and evidence of continuation, though requirements vary considerably — some want two years of history, some want the vesting schedule to extend years past closing, and some discount the value. Which lender you use materially changes what you qualify for.
What is the conforming loan limit in Santa Clara County?
$1,249,125 for a one-unit property in 2026 — the maximum high-cost ceiling. Purchases above that require jumbo financing, which is common in San Jose given local pricing.
Do I need 20% down to buy in San Jose?
No, though larger down payments are common here. Conventional financing can go to 3–5% down for eligible buyers, and jumbo programs exist below 20% down, generally with stronger credit and reserve requirements. The constraint in San Jose is usually the dollar amount rather than the percentage.
Which Santa Clara County areas do you serve?
San Jose and the surrounding Santa Clara County cities — Santa Clara, Sunnyvale, Campbell, Cupertino, Milpitas and Los Gatos among them.
Ready to Get Pre-Approved in San Jose?
If a meaningful share of your compensation is RSUs, bonus or equity, tell us how it is structured and we will tell you which route actually counts it.
Mango Stock Mortgage | NMLS# 2815478 | Licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License No. 60DBO-218256. Loans made or arranged pursuant to a California Finance Lenders Law license. This is not a commitment to lend. All loans are subject to credit, underwriting, appraisal and program approval. Equal Housing Lender. See our Licensing & State Disclosures.
Related California Mortgage Resources
- California Mortgage — Statewide Home Loans
- CalHFA Down Payment Assistance
- Bank Statement Loans California
- DSCR Loans California — Investor Mortgages
- Non-QM Loans California
- First-Time Home Buyer California
See what you qualify for
Tell us about the property and what you are trying to do. A licensed loan officer will come back to you within one business day with what is actually available — including when the answer is to wait.