Delivering tailored residential mortgages across Los Gatos, providing tech executives, entrepreneurs, and families with sophisticated jumbo financing and equity options.
Serving Downtown Historic District, Almond Grove, Shannon Valley, Blossom Hill Manor, and Los Gatos Hills.
Statutory Verification: Silicon Valley designated high-cost area at the maximum statutory conforming and FHA ceiling ($1,249,125). (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Los Gatos, California.
We provide customized jumbo loans up to $5M+ with 10% to 20% down payment options, competitive fixed rates, and flexible interest-only payment structures.
RSUs from publicly traded technology companies can be factored into qualifying income when supported by a two-year vesting history and evidence of ongoing vesting.
Yes. Los Gatos homeowners with substantial home equity can access credit lines up to $1M+ without modifying their existing first mortgage rate.
Explore conforming limits, property tax context, and all programs available across Santa Clara County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.