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With a Jumbo loan you could purchase a home for NO money down! Take the first step here by getting pre-approved quickly and easily!

Jumbo Mortgages

Do you need a jumbo mortgage in San Jose? If you are thinking of buying a large family home, you may need to do just that. If you have a more modest four-bedroom house in mind, however, you may think you can get away with a standard conforming conventional loan. You would be surprised how many San Jose homes fall under the jumbo loan umbrella, however.

What is a Jumbo Loan?

First off, if you are still learning the ropes with mortgage terminology, a jumbo loan is also called a “nonconforming” loan, because it is any conventional loan which does not conform to the lending limits set by Fannie Mae and Freddie Mac. In most parts of the country (including California), that lending limit is $417,000. In some states and high-cost counties, however, the lending limit is higher. Here in Santa Clara County, the conforming loan limit is $625,500.

The thing about living in the Silicon Valley area is that the cost of living here is so high that many modest homes exceed this special loan limit anyway. An astounding number of our customers end up choosing jumbo loans so they can purchase a home in which they will be comfortable living with their families. That doesn’t necessarily mean a luxury estate. Again, in some parts of town, a simple four-bedroom home can cost more than $625,500 easily!

Jumbo loans often carry more stringent underwriting guidelines than conforming loans, and may also carry higher credit score requirements. For that reason, they carry a downside for you as the buyer. Finding friendly terms can be a challenge, and signing on a jumbo loan may carry a higher risk for you. You may find many hidden costs and fees standing in your way. You also may have a hard time qualifying if you have a lower credit score or have had a short sale.

That is why it is essential not to try to go it alone when you are shopping for a California jumbo mortgage. Because jumbo loans are so common in our area, there are mortgage lenders offering excellent deals and friendly terms—but also plenty of sharks out there preying on unsuspecting customers.

Here at C2 Financial Corporation, we know which are which. In fact, we have a whole network of friendly providers with excellent jumbo loan terms in the Silicon Valley area. Our lenders provide our customers with special deals and discounts which are not available to the general public. So we can give you access to the lowest interest rates and the best loan terms you are going to find anywhere in the area. If you have had a short sale or otherwise cannot qualify for traditional jumbo financing, we can put you in touch with a non-prime lender who can see to your needs.

FREE JUMBO LOAN QUALIFIER

Ready to get started, or just want to ask us a question about jumbo mortgages?

Email us at [email protected] or call us at (408) 610-8011 to talk to us about your mortgage needs. You can also click the button below for a free instant quote on a California jumbo loan!

Get Your FREE Jumbo Loan Quote Now!

I want my FREE Jumbo Loan Quote

SOME OF OUR SATISFIED CLIENTS

Khyati Patel
Khyati Patel
03:34 13 Sep 19
This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing our loan! Shawn and team replied back to all of our questions via email within a few minutes. Thank you for the great service Shawn and team!! Highly appreciate your professionalism and quick close!!
Khyati P.
Khyati P.
20:39 12 Sep 19
This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing...
Jennifer Lu
Jennifer Lu
17:48 01 Aug 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very efficient. We are very appreciate of Shawn's partnership in the process!
Jen I.
Jen I.
10:04 30 Jul 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very...
Hello T.
Hello T.
16:09 20 Jun 19
Shawn just helped me with refinances on a few of my properties. Prior to this I had got my loans through a bank. Let me tell you the experience was superior...
Anamitra Adhikari
Anamitra Adhikari
03:35 29 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.
Anamitra A.
Anamitra A.
20:36 28 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...
John Christopher
John Christopher
04:00 24 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!
John C.
John C.
20:59 23 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...
Ken Fernandez
Ken Fernandez
21:30 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)
Ken F.
Ken F.
14:41 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...
myda714
myda714
04:31 02 Mar 19
We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!
Myda W.
Myda W.
20:34 01 Mar 19
Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...
Elizabeth R Barajas
Elizabeth R Barajas
02:13 10 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.
Eva R.
Eva R.
18:51 08 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...
sophia reyes
sophia reyes
01:27 03 Oct 18
I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.

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For assistance in choosing the right loan program for your unique situation.

Feel free to call Loan Application (408) 610-8011

SOME OF OUR SATISFIED CLIENTS

Khyati Patel
Khyati Patel
03:34 13 Sep 19
This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing our loan! Shawn and team replied back to all of our questions via email within a few minutes. Thank you for the great service Shawn and team!! Highly appreciate your professionalism and quick close!!
Khyati P.
Khyati P.
20:39 12 Sep 19
This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing...
Jennifer Lu
Jennifer Lu
17:48 01 Aug 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very efficient. We are very appreciate of Shawn's partnership in the process!
Jen I.
Jen I.
10:04 30 Jul 19
Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very...
Hello T.
Hello T.
16:09 20 Jun 19
Shawn just helped me with refinances on a few of my properties. Prior to this I had got my loans through a bank. Let me tell you the experience was superior...
Anamitra Adhikari
Anamitra Adhikari
03:35 29 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.
Anamitra A.
Anamitra A.
20:36 28 May 19
Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...
John Christopher
John Christopher
04:00 24 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!
John C.
John C.
20:59 23 Apr 19
Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...
Ken Fernandez
Ken Fernandez
21:30 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)
Ken F.
Ken F.
14:41 13 Mar 19
Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...
myda714
myda714
04:31 02 Mar 19
We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!
Myda W.
Myda W.
20:34 01 Mar 19
Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...
Elizabeth R Barajas
Elizabeth R Barajas
02:13 10 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.
Eva R.
Eva R.
18:51 08 Jan 19
Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...
sophia reyes
sophia reyes
01:27 03 Oct 18
I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.