Santa Clara (Santa Clara County)

Your Santa Clara Mortgage and Real Estate Partner

My Santa Clara office on De La Cruz Blvd sits right in the heart of Silicon Valley, close to the companies, campuses and neighborhoods that make this city such a sought-after place to live. Whether you're relocating for a new job, buying near Santa Clara University or Mission College, or finally trading rent for a home of your own, I can help you get approved and find the right place. I bring more than 15 years of experience and handle both the loan and the real estate side for you.

Why Work With Me

• A Santa Clara office for in-person meetings
• Experience with relocation buyers and tech-industry income
• Loan and real estate guidance from one trusted professional
• Clear comparisons so you can choose the loan with confidence

How I Help Santa Clara Buyers and Homeowners

 Relocation and New-Job Buyers.
Just started a new role? Many loan programs can use an offer letter and start date, and I'll show you what documentation you'll need to buy sooner.

 Jumbo Loans.
Santa Clara home prices often push loan amounts above conforming limits. I'll compare jumbo options and down payment strategies side by side.

 Condo and Townhome Financing.
Condos and townhomes are a common first step here. I'll check HOA and project requirements early so there are no surprises at closing.

 Refinancing and Equity.
Already own? Let's see whether a refinance could lower your payment or free up equity for other goals.

 Real Estate Services.
Through Alliance Bay Realty, I can help you search, write a strong offer and negotiate, or sell your current home.

Santa Clara Home Loan FAQs

What are the 2026 loan limits in Santa Clara County?

For a one-unit home, both the 2026 conforming limit (FHFA) and the 2026 FHA limit (HUD) in Santa Clara County are $1,249,125.

Can I buy a home before my new job starts?

In many cases, yes. Some loan programs accept a signed offer letter with a start date shortly after closing. I'll review the details with you.

Are condos harder to finance?

Not necessarily, but lenders review the HOA's finances and the project itself. I'll check those requirements early in the process.

How much do I need for a down payment on a jumbo loan?

Requirements vary by lender and loan amount, and jumbo loans typically ask for more down payment and reserves than conforming loans. Let's look at your options together.

Do you work with buyers who already have an agent?

Absolutely. I'm happy to handle just your financing and work closely with your agent.

Ready to Make Your Move in Santa Clara?

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.