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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 San Jose 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 shawn@bma-loans.com or call us at (408) 599-3628 to talk to us about your mortgage needs. You can also click the button below for a free instant quote on a San Jose jumbo loan!

Get Your FREE Jumbo Loan Quote Now!

I want my FREE Jumbo Loan Quote

SOME OF OUR SATISFIED CLIENTS

C2 Financial Corporation - Shawn Sidhu
5.0
Based on 106 Reviews
Anne W.
Anne W.
2018-03-30 17:08:26
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in...
Nanette G.
Nanette G.
2018-03-14 00:18:55
I had recently refinanced my home and had an excellent experience working with Shawn. Shawn at C2 Financial Corporation is very professional and he has...
Prakash A.
Prakash A.
2018-02-15 21:36:29
I've refinanced my home a couple of times, so fairly familiar with the process. Working with Shawn at C2 Financial on my refinance however was pleasantly...
Erik B.
Erik B.
2018-02-08 18:01:21
Another update. I used Shawn on a loan for purchasing a new house. He's streamlined the process even more and it was so easy and quick. I almost didn't...
Cinto S.
Cinto S.
2017-12-04 10:41:01
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a...
Syed Ibrahim M.
Syed Ibrahim M.
2017-11-11 18:40:29
I worked with Shawn for getting my pre-approval for our home in east bay area recently. He was referred to me by my realtor. Being first home buyers, Shawn...
Jeremy T.
Jeremy T.
2017-09-24 15:32:57
I recently worked with Shawn in finding and closing on a home in San Jose. He was referred to me by my realtor, and was instrumental in the process. His...
RICHARD Gammad
RICHARD Gammad
08:44 04 Jun 18
Shawn has help my family twice, both times with a refinance with cash out. Shawn is patient, helpful, and very insightful about what is actually possible. The team he works with during the loan process are some of the most helpful people in the business. The refinancing process with C2 Financial was very smooth, and throughout the process you are informed of the next steps and the status of your loan. Shawn is also very willing to give you phone call to ease your concerns. I know in the future where to turn to when in need of a mortgage broker. Thanks again Shawn.
Tushar Arora
Tushar Arora
19:50 25 May 18
Shawn helped us in getting pre-approval as well as under-written for our home loan application. Being first time home buyers, it was amazing home he explained different terms and pieces in lending process. He has great deal of knowledge and is good in providing charts / detailed comparisons of different scenarios (like different downpayment amounts, total purchase price etc).Plus: Online application process, super easy to upload documents etc. Would definitely recommend him and his team..He should be able to help with loans for properties under litigations as well !!
Margaret Hirst
Margaret Hirst
17:00 16 May 18
Shawn and his people were fantastic. I never had a refi go this smoothly. They took care of everything and had a great product to boot. I would highly recommend C2 Financial.
Risa Harrison
Risa Harrison
17:31 14 May 18
Shawn is very detail oriented, timely, and helped us get the best rate for our home. As first time homebuyers he explained our different options to us, and answered our questions in a way we could understand. We highly recommend Shawn and C2 Financial!
Jana Chow
Jana Chow
19:16 19 Apr 18
My husband and I used Shawn to purchase our first home, and he made the process run smoothly from start to finish. He asked great questions to get a clear picture of what we were looking for, and he gave us a great menu of options to fit our needs and budget. He recommended that we set up a TBD loan, which made our offer stronger, and the escrow process shorter. In hindsight, I think having the TBD loan documentation in hand when we put in our bid was one of the reasons our offer was accepted. Shawn was incredibly professional and communicated well with our real estate agent and every other person involved with the loan underwriting process. He gave us all thorough information and provided us the best loan options available....and we closed in 3 weeks, in the most competitive market in the country! Couldn’t have done this without Shawn.
Anne Walker Citraro
Anne Walker Citraro
00:09 31 Mar 18
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in the process. The seller's agent was able to keep her client informed, which made us all look good.You and your team performed on time, except for the slight delay by the seller at the end. I never had to bug you about anything. These are all signs of a good mortgage broker who does his job well.
Nanette G
Nanette G
07:16 14 Mar 18
I would highly recommend Shawn at C2 Financial. Shawn provided excellent customer service. He is very professional was great at keeping me informed, step by step on the refinance process. Thank you😊
Julie&Ramon LeFrancois
Julie&Ramon LeFrancois
07:29 09 Dec 17
Shawn & his team got us pre approved at an excellent rate. When we went into contract he quickly and efficiently got our loan processed and easily had us ready to close in under 21 days. Shawn was alway ahead of the game. Highly recommended.
Andy K
Andy K
04:10 08 Dec 17
Shawn was referred to me by a friend to manage my mortgage loan life cycle from start to finish. I had an excellent experience with Shawn and his staff. It was easy. They were quick and effective at resolving issues and helpful in clarifying all of my questions and concerns. Shawn was professional, result oriented and focused while guiding me through my home purchasing process, helping me achieve the best possible outcome. I will recommend Shawn and his crew to my friends in the future. Shawn is simply excellent.
Cinto Sunny
Cinto Sunny
18:33 06 Dec 17
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a first time buyer like me, it was really important that I had somebody to help me out with all the doubts regarding loan escrow etc. and Shawn would always reply promptly and patiently. He made the whole home buying process a breeze. I would recommend Shawn for any mortgage brokering needs.
Mike Ramos
Mike Ramos
21:09 02 Oct 17
Communication communication communication has been top notch with Shawn. Through out the process Shawn was always quick to respond to any inquires or questions needed. Even when he was in another appointment he promptly let me know that he would get back right away. He actually did everything faster than what he promised. One of the best parts about his was his status updates. He did a very good job on keeping the buyers, sellers, selling agent, and listing agent informed to where everything was in the process. Transparency is key, and he did the best job at it. Shawn is one of the best and I wouldn't hesitate to recommend him and his services.
Next Reviews

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

Feel free to call Loan Application (408) 599-3628

SOME OF OUR SATISFIED CLIENTS

C2 Financial Corporation - Shawn Sidhu
5.0
Based on 106 Reviews
Anne W.
Anne W.
2018-03-30 17:08:26
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in...
Nanette G.
Nanette G.
2018-03-14 00:18:55
I had recently refinanced my home and had an excellent experience working with Shawn. Shawn at C2 Financial Corporation is very professional and he has...
Prakash A.
Prakash A.
2018-02-15 21:36:29
I've refinanced my home a couple of times, so fairly familiar with the process. Working with Shawn at C2 Financial on my refinance however was pleasantly...
Erik B.
Erik B.
2018-02-08 18:01:21
Another update. I used Shawn on a loan for purchasing a new house. He's streamlined the process even more and it was so easy and quick. I almost didn't...
Cinto S.
Cinto S.
2017-12-04 10:41:01
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a...
Syed Ibrahim M.
Syed Ibrahim M.
2017-11-11 18:40:29
I worked with Shawn for getting my pre-approval for our home in east bay area recently. He was referred to me by my realtor. Being first home buyers, Shawn...
Jeremy T.
Jeremy T.
2017-09-24 15:32:57
I recently worked with Shawn in finding and closing on a home in San Jose. He was referred to me by my realtor, and was instrumental in the process. His...
RICHARD Gammad
RICHARD Gammad
08:44 04 Jun 18
Shawn has help my family twice, both times with a refinance with cash out. Shawn is patient, helpful, and very insightful about what is actually possible. The team he works with during the loan process are some of the most helpful people in the business. The refinancing process with C2 Financial was very smooth, and throughout the process you are informed of the next steps and the status of your loan. Shawn is also very willing to give you phone call to ease your concerns. I know in the future where to turn to when in need of a mortgage broker. Thanks again Shawn.
Tushar Arora
Tushar Arora
19:50 25 May 18
Shawn helped us in getting pre-approval as well as under-written for our home loan application. Being first time home buyers, it was amazing home he explained different terms and pieces in lending process. He has great deal of knowledge and is good in providing charts / detailed comparisons of different scenarios (like different downpayment amounts, total purchase price etc).Plus: Online application process, super easy to upload documents etc. Would definitely recommend him and his team..He should be able to help with loans for properties under litigations as well !!
Margaret Hirst
Margaret Hirst
17:00 16 May 18
Shawn and his people were fantastic. I never had a refi go this smoothly. They took care of everything and had a great product to boot. I would highly recommend C2 Financial.
Risa Harrison
Risa Harrison
17:31 14 May 18
Shawn is very detail oriented, timely, and helped us get the best rate for our home. As first time homebuyers he explained our different options to us, and answered our questions in a way we could understand. We highly recommend Shawn and C2 Financial!
Jana Chow
Jana Chow
19:16 19 Apr 18
My husband and I used Shawn to purchase our first home, and he made the process run smoothly from start to finish. He asked great questions to get a clear picture of what we were looking for, and he gave us a great menu of options to fit our needs and budget. He recommended that we set up a TBD loan, which made our offer stronger, and the escrow process shorter. In hindsight, I think having the TBD loan documentation in hand when we put in our bid was one of the reasons our offer was accepted. Shawn was incredibly professional and communicated well with our real estate agent and every other person involved with the loan underwriting process. He gave us all thorough information and provided us the best loan options available....and we closed in 3 weeks, in the most competitive market in the country! Couldn’t have done this without Shawn.
Anne Walker Citraro
Anne Walker Citraro
00:09 31 Mar 18
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in the process. The seller's agent was able to keep her client informed, which made us all look good.You and your team performed on time, except for the slight delay by the seller at the end. I never had to bug you about anything. These are all signs of a good mortgage broker who does his job well.
Nanette G
Nanette G
07:16 14 Mar 18
I would highly recommend Shawn at C2 Financial. Shawn provided excellent customer service. He is very professional was great at keeping me informed, step by step on the refinance process. Thank you😊
Julie&Ramon LeFrancois
Julie&Ramon LeFrancois
07:29 09 Dec 17
Shawn & his team got us pre approved at an excellent rate. When we went into contract he quickly and efficiently got our loan processed and easily had us ready to close in under 21 days. Shawn was alway ahead of the game. Highly recommended.
Andy K
Andy K
04:10 08 Dec 17
Shawn was referred to me by a friend to manage my mortgage loan life cycle from start to finish. I had an excellent experience with Shawn and his staff. It was easy. They were quick and effective at resolving issues and helpful in clarifying all of my questions and concerns. Shawn was professional, result oriented and focused while guiding me through my home purchasing process, helping me achieve the best possible outcome. I will recommend Shawn and his crew to my friends in the future. Shawn is simply excellent.
Cinto Sunny
Cinto Sunny
18:33 06 Dec 17
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a first time buyer like me, it was really important that I had somebody to help me out with all the doubts regarding loan escrow etc. and Shawn would always reply promptly and patiently. He made the whole home buying process a breeze. I would recommend Shawn for any mortgage brokering needs.
Mike Ramos
Mike Ramos
21:09 02 Oct 17
Communication communication communication has been top notch with Shawn. Through out the process Shawn was always quick to respond to any inquires or questions needed. Even when he was in another appointment he promptly let me know that he would get back right away. He actually did everything faster than what he promised. One of the best parts about his was his status updates. He did a very good job on keeping the buyers, sellers, selling agent, and listing agent informed to where everything was in the process. Transparency is key, and he did the best job at it. Shawn is one of the best and I wouldn't hesitate to recommend him and his services.
Next Reviews