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San Jose home loansSan Jose Mortgage & Home Loans
Silicon Valley income, underwritten properly.
The San Jose market — and how we finance it.
San Jose sits at the center of Silicon Valley, with among the highest median home prices in the United States. Nearly every purchase is a jumbo transaction, and compensation here routinely includes RSUs, bonuses, and equity that a generic underwriter handles badly. Getting the income right is usually the difference between an approval and a decline.
Technology professionals with equity-heavy compensation, move-up buyers in the high-cost tier, and foreign-national and asset-rich borrowers who qualify better on assets than on salary.
Licensed in California. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in San Jose.
San Jose mortgage questions.
Can RSUs and bonus income count toward qualifying?
Often, yes — with the right documentation and the right lender. Vesting history and continuance matter. We place these files with lenders who underwrite equity compensation properly rather than discounting it by default.
What are my options above the conforming limit?
Jumbo, and we shop it across our full wholesale network. Select scenarios go to 10% down, and asset-depletion programs can qualify you on assets rather than monthly income.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving San Jose, California and the surrounding market.
Buying or refinancing in San Jose?
Start a quick, no-pressure application and we'll map the right path for your San Jose purchase or refinance.