California
San Jose & Silicon Valley Mortgage Lender
Santa Clara County — the heart of Silicon Valley — holds California's top 2026 loan limit, but with some of the nation's highest home prices, many Bay Area buyers still cross into jumbo territory. We specialize in structuring Silicon Valley financing, including jumbo loans and offers that compete against all-cash buyers.
2026 loan limits · Santa Clara County
$1,249,125
Conforming (1-unit)
$1,249,125
FHA (1-unit)
Loan amounts above $1,249,125 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
San Jose · Sunnyvale · Santa Clara · Mountain View · Palo Alto · Milpitas
Frequently asked questions
- What is the 2026 conforming loan limit in Santa Clara County?
- The 2026 one-unit conforming loan limit in Santa Clara County (San Jose) is $1,249,125. Above that, homes are financed with jumbo loans, which we offer at competitive rates.
- Do you offer jumbo loans in San Jose?
- Yes. Because many Silicon Valley homes exceed $1,249,125, we offer a range of jumbo loan options and can pre-approve you for competitive offers.
- Do you offer FHA loans in San Jose?
- Yes. The 2026 FHA limit in Santa Clara County is $1,249,125 for a single-family home, so FHA financing is available on many San Jose–area properties.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.