How much house can you afford in San Jose? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
C2 Financial Corporation - Shawn Sidhu
4.9 · 99 reviews · Free pre-approval
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First Stop Mortgage Corporation
5.0 · 69 reviews · Free pre-approval
Get pre-approved →
loanDepot
4.8 · 53 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Specializing in mortgage solutions for clients with challenging loan requirements, C2 Financial Corporation - Shawn Sidhu leverages a broad network of wholesale lenders to find fitting options. The team offers services including refinancing and first-time homebuyer loans, with customers appreciating their thorough communication and ability to navigate complex cases. Some note the process can feel… more...
Specializing in mortgage solutions for clients with challenging loan requirements, C2 Financial Corporation - Shawn Sidhu leverages a broad network of wholesale lenders to find fitting options. The team offers services including refinancing and first-time homebuyer loans, with customers appreciating their thorough communication and ability to navigate complex cases. Some note the process can feel detailed but ultimately rewarding.
First Stop Mortgage Corporation offers a commission-free, fully online mortgage process designed to simplify home financing. The team handles a variety of loan types, including fixed-rate mortgages, and stays responsive through every step, often communicating beyond regular hours. Customers appreciate their clear explanations and timely support, though some note that interest rates depend on… more...
First Stop Mortgage Corporation offers a commission-free, fully online mortgage process designed to simplify home financing. The team handles a variety of loan types, including fixed-rate mortgages, and stays responsive through every step, often communicating beyond regular hours. Customers appreciate their clear explanations and timely support, though some note that interest rates depend on lenders.
loanDepot offers specialized VA-backed loan programs for active military and veterans, alongside traditional fixed-rate and FHA mortgages. Their team is known for clear, timely communication and efficient processing, often completing loans within a few weeks. Customers appreciate their responsiveness and helpful online tools, though the busy market can sometimes add complexity to the process.
With over 30 years of experience and connections to more than 50 lenders, 101 Loan specializes in residential, commercial, and reverse mortgage financing. The team is known for quick responses, clear communication, and handling complex transactions efficiently, though some clients note occasional challenges typical of multifaceted deals.
PRMG offers a wide range of mortgage products, including conventional, renovation, FHA, VA, USDA, jumbo, and non-QM loans, with options for borrowers with lower credit scores. The team is known for clear communication and patient guidance throughout the lending process, though some clients note occasional bumps that are handled with support.
Known for monitoring interest rates closely and notifying clients promptly, Pannu Mortgage offers personalized mortgage solutions without pressure. The team assists with refinancing and new mortgages, focusing on competitive rates and timely closings. Customers appreciate their responsiveness and straightforward approach, though occasional after-hours calls may catch some by surprise.
With over a decade of experience in residential lending, Stephen Wong - Bayone Reic focuses on conventional loans, refinancing, and specialized programs like HARP for underwater mortgages. The team is known for thorough communication and patience, especially with complex cases, though some clients have wished for more detailed exploration of unique financial situations.
The Reen Team at Direct Mortgage Funding focuses on guiding clients through mortgage options that best fit their unique situations, whether buying, refinancing, or tapping home equity. Their team handles the application process efficiently and keeps clients well-informed, with many noting their friendly, responsive service and ability to close loans quickly.
Known for clear communication and personalized mortgage guidance, Hector Ramirez - CrossCountry Mortgage, LLC. offers a variety of loan programs including FHA, VA, conventional, and jumbo loans. The team supports clients through buying, refinancing, or renovation loans, with many appreciating their responsiveness and thorough updates throughout the process.
Lenders made 10,713 home-purchase loans in Santa Clara County in 2025 (average about $1,307,000) and denied 1,143 — 10% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In San Jose, the median home is worth $1,233,200 and 68% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Santa Clara County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | C2 Financial Corporation - Shawn Sidhu | 4.9 | 99 | Quoted per loan | (408) 610-8011 | Visit |
| 2 | First Stop Mortgage Corporation | 5.0 | 69 | Quoted per loan | (408) 900-6789 | Visit |
| 3 | loanDepot | 4.8 | 53 | Quoted per loan | (707) 408-9050 | Visit |
| 4 | 101 Loan and Rob McCarthy - Specialist in Residential, Commercial and Reverse Mortgage Financing | 5.0 | 37 | Quoted per loan | (650) 465-8957 | Visit |
| 5 | PRMG - San Jose, CA | 5.0 | 30 | Quoted per loan | (408) 802-8522 | Visit |
| 6 | Pannu Mortgage | 5.0 | 25 | Quoted per loan | (408) 593-6995 | Visit |
| 7 | Stephen Wong - Bayone Reic | 4.8 | 24 | Quoted per loan | (408) 780-8228 | Visit |
| 8 | The Reen Team at Direct Mortgage Funding | 5.0 | 19 | Quoted per loan | — | Visit |
| 9 | Hector Ramirez - CrossCountry Mortgage, LLC. | 5.0 | 6 | Quoted per loan | (408) 841-6630 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.