Home Loans in Santa Clara County

Santa Clara County’s real estate market has demonstrated significant growth in recent years. According to the Santa Clara County Assessor’s Office, the 2024-2025 assessment roll increased by $35.6 billion, reaching a total of $673.5 billion. This growth occurred despite historically low levels of new construction and property transfers.

Additionally, the median sale price of homes in the county rose to $1.5 million in December 2024, reflecting a 6.1% year-over-year increase.

These figures underscore the county’s robust real estate appreciation, making it a dynamic market for homeowners and investors alike.

Where We Lend

Griffin Funding is proud to serve homebuyers, investors, and existing homeowners throughout Santa Clara County. Our Santa Clara County home loans are available in every corner of this vibrant region, including:

As your trusted Santa Clara County mortgage lender, we’re equipped to serve borrowers anywhere in the region, from the bustling urban centers to the peaceful suburban communities. Our expertise extends throughout California, ensuring you get the best possible mortgage rates Santa Clara County has to offer.

Types of Home Loans Available in Santa Clara County

We understand that every borrower’s situation is unique, which is why we offer a comprehensive range of mortgage solutions. Here are the different types of Santa Clara County home loans available:

• DSCR Loans: When you’re looking to finance a short-term rental or investment property, DSCR loans evaluate your property’s income potential rather than using traditional qualification methods. Your debt service coverage ratio demonstrates your ability to repay the loan based on the property’s rental income.
• Asset-Based Loans: These loans allow you to leverage your existing liquid assets to secure financing. Your assets are considered income, giving you access to favorable terms and higher loan amounts.
• Bank Statement Loans: For self-employed professionals and business owners, these loans offer a straightforward path to financing without the traditional hurdles. Instead of requiring W-2 forms, we use your bank statements to verify income, simplifying the qualification process.
• Home Equity Loans: These loans let you borrow against your home’s value while keeping your existing mortgage rate intact, providing funds for improvements, debt consolidation, or other significant expenses.
• FHA Loans: These government-backed mortgages feature down payments as low as 3.5% and competitive interest rates. FHA loans make homeownership more accessible for those with limited savings or moderate credit scores.
• CalHFA Loans: The California Housing Finance Agency offers these loans specifically for first-time homebuyers in the state. They combine attractive 30-year fixed rates with assistance programs, making homeownership more achievable.
• VA Home Loans: Available to active-duty service members, veterans, and eligible surviving spouses, VA loans offer exceptional benefits like zero down payment options, competitive rates, and no private mortgage insurance requirement.
• USDA Home Loans: USDA loans offer competitive rates through the U.S. Department of Agriculture’s program. Available in certain rural and suburban areas of Santa Clara County, these mortgages require no down payment for eligible properties.
• ITIN Loans: These specialized mortgages create a path to property ownership for those without a Social Security number. Using your Individual Taxpayer Identification Number for qualification, ITIN loans enable non-U.S. citizens to participate in the California real estate market.
• Private Money Loans: When traditional financing doesn’t fit your needs, private money loans offer flexibility and faster closing times. These loans feature streamlined qualification requirements that are ideal for time-sensitive opportunities or unique circumstances.

How to Get a Home Loan in Santa Clara County

Securing a Santa Clara County mortgage doesn’t have to be complicated. Here’s our streamlined process:

1. Financial assessment: Review your credit score, debt-to-income ratio, and funds for down payment and closing costs. We’ll help you understand where you stand and identify any areas that need attention before applying.
2. Pre-approval: Submit documentation through our online application to receive your pre-approval letter. This crucial step helps you understand your budget and shows sellers you’re a serious buyer.
3. House hunting: Work with a local agent to find properties within your pre-approved amount. Your agent will help you navigate the Santa Clara County market and identify homes that match your criteria.
4. Processing: Complete required documentation, inspections, and underwriting review. Our team handles the details while keeping you informed every step of the way.
5. Closing: Review final documents, complete the walkthrough, and receive your keys. We’ll ensure you understand all terms and conditions before finalizing your new home purchase.

To make the process even smoother, download our Griffin Gold app for real-time updates and easy document submission.

Why Work With Griffin Funding?

Choosing the right mortgage lender is crucial when you buy a home in Santa Clara County. Here’s what sets Griffin Funding apart:

• Competitive mortgage rates Santa Clara County residents can rely on: We continuously monitor market conditions to ensure you receive the most favorable rates available.
• Diverse loan programs to suit every borrowing need: From conventional mortgages to specialized financing solutions, we have options tailored to your unique situation.
• Expertise in California mortgages and local market conditions: Our deep understanding of Santa Clara County’s real estate market helps guide you through the entire lending process.
• Streamlined digital application process: Our modern platform makes submitting documents and tracking your loan status effortless and convenient.
• Personalized service from experienced loan officers: Your dedicated loan officer works directly with you to understand your goals and find the best financing solution.
• Innovative solutions for unique situations: We think outside the box to help overcome common lending challenges and find creative ways to make homeownership possible.

Whether you need to finance an ADU to increase your property value or determine if it’s time to refinance, our team has the expertise to guide you through every option.

Lock in Your Mortgage Rate in Santa Clara County

The real estate market in Santa Clara County continues to show strong home appreciation, making now an excellent time to invest in your future. Ready to explore your mortgage options? Whether you’re interested in a traditional home loan or looking to finance a short-term rental property, our team is here to help.

Contact Griffin Funding today to learn more about our competitive rates and flexible loan programs.