San Jose (Santa Clara County)

San Jose Home Loans and Real Estate Guidance You Can Count On

San Jose is a city of neighborhoods. Willow Glen, Almaden Valley, Evergreen, Berryessa, Downtown and many more each offer something different, and choosing the right one is a big decision. I've helped San Jose buyers, sellers and homeowners for more than 15 years, from first-time buyers to veterans to growing families. With my Santa Clara office just minutes away, I'm local, easy to reach, and ready to help you make your move.

Why Work With Me

• Guidance across San Jose's many neighborhoods and price ranges
• A full range of loan programs, including VA and FHA
• Real estate and mortgage help from the same trusted professional
• Personal coaching if your credit or income needs a plan

How I Help San Jose Buyers and Homeowners

 VA Home Loans.
Veterans and service members can use their VA benefit to buy with no down payment and no private mortgage insurance. I'll help you get your Certificate of Eligibility and understand your entitlement.

 First-Time Homebuyer Loans.
I'll help you understand FHA, conventional low-down-payment options and California first-time buyer programs so you can buy with confidence.

 Jumbo Loans.
For homes above the conforming limit, I'll compare jumbo programs and find a structure that fits your budget.

 Investment and Multi-Unit Properties.
Interested in a duplex or rental? Loan limits are higher for two- to four-unit properties, and I'll explain how rental income can help you qualify.

 Credit Coaching and Selling.
Need a plan to get approved, or ready to sell? I can coach you to approval and, through Alliance Bay Realty, help sell your San Jose home.

San Jose Home Loan FAQs

What is the 2026 FHA loan limit in San Jose?

San Jose is in Santa Clara County, where HUD's 2026 FHA limit is $1,249,125 for one unit and $1,599,375 for two units.

Is there a loan limit on VA loans?

Since 2020, veterans with full entitlement generally have no VA loan limit, although lenders still set their own guidelines. I'll confirm your entitlement and buying power.

Can I use rental income to qualify for a duplex?

Often, yes. If you buy a two- to four-unit property, lenders may count part of the expected rent from the other units. Let's run the numbers.

What credit score do I need to buy a home?

It depends on the loan program. FHA is usually more flexible than conventional or jumbo loans. If your score needs work, I'll give you a clear plan.

How do I get started?

Click Get Pre-Approved below or call me. We'll talk about your goals, review your numbers and map out your next steps.

Ready to Make Your Move in San Jose?

Let's talk about your goals and get you pre-approved, with no obligation. Call or text me at (415) 910-1511, email kenneth@getapprovenow.com, or click below to get started.