Connect with 21 trusted mortgage lenders serving San Jose and surrounding areas
Browse 21 local mortgage lenders who understand the San Jose market and can help you secure competitive mortgage rates and terms.
Private Money Specialist · Serving all of California · NMLS #337458
Private hard money loans for residential and commercial properties. Short-term bridge loans and mid-range balloon term loans, including manufactured and modular homes.
Of the 13 mortgage lenders in San Jose, CA that publish their loan programs, 12 (92%) offer conventional loans, 11 (85%) offer VA loans and 10 (77%) offer FHA loans.
Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 13 of 21 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.
San Jose mortgage lenders have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to California. This expertise can help you navigate the local market more effectively.
Working with local mortgage lenders means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.
Local mortgage lenders often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the San Jose market.
Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.
Shortlist at least three mortgage lenders in San Jose, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in California, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.
Ask about their experience in the San Jose market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.
Local mortgage lenders offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.
Get matched with the perfect mortgage lender from our network of 21 local professionals