Best Mortgages & Home Loans in San Jose, CA

Compare 5 mortgages & home loans companies serving San Jose, California. Average rating: 4.4/5.

5 Companies 5 Rated Payday: Legal

California Lending Regulations

California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.

Usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100 Agency: California Attorney General Consumer Protection

Top-Rated Mortgages & Home Loans

Loan Factory - We Dare You to Compare logo

Loan Factory - We Dare You to Compare

Loan Factory is a mortgage marketplace that searches rates across 226 lenders and 2,419 loan officers, offering a wide range of home loan products with a price-match guarantee of $1,000 if they can't beat another offer.

4.5/5
Contact BBB: NR

Best for: Borrowers seeking to compare multiple lender offers without contacting each lender individually, Self-employed individuals and real estate investors needing specialized loan programs (Bank Statement, DSCR loans)

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Help U Lend logo

Help U Lend

National mortgage broker offering personalized home financing solutions across six states with emphasis on customer service and market expertise.

4.4/5
Contact BBB: NR

Best for: Homebuyers in California, Oregon, Washington, Texas, Colorado, or Florida seeking personalized mortgage guidance, Borrowers with non-standard situations who benefit from broker access to multiple lenders

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Private Lender Link, Inc. logo

Private Lender Link, Inc.

Private Lender Link is a marketplace platform connecting real estate investors and brokers with hard money lenders for investment property financing, including bridge loans, fix-and-flip loans, and construction financing.

4.4/5
Contact BBB: NR

Best for: Real estate investors and property flippers seeking short-term bridge or fix-and-flip financing for investment properties ($50K+), Commercial real estate brokers connecting clients with institutional-grade private lending for multifamily or CRE transactions

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The Mortgage Outlet logo

The Mortgage Outlet

Family-owned mortgage broker and lender offering home purchase, refinance, and home equity loans across most U.S. states with specialized programs for tech workers, self-employed borrowers, and first-time homebuyers.

4.4/5
Contact BBB: NR

Best for: Tech workers and startup employees with Restricted Stock Units seeking to qualify for mortgages, Self-employed borrowers, freelancers, and business owners who lack traditional tax return documentation

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Habitat for Humanity East Bay/Silicon Valley - Milpitas logo

Habitat for Humanity East Bay/Silicon Valley - Milpitas

Habitat for Humanity East Bay/Silicon Valley builds and finances affordable homes for low-income families across the Bay Area, offering homeownership to households earning up to 120% of area median income.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers earning under 120% of Area Median Income in Bay Area counties, Low-income families seeking affordable homeownership with counseling and community support

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All Mortgages & Home Loans in San Jose (5)

Loan Factory - We Dare You to Compare logo

Loan Factory - We Dare You to Compare

Loan Factory is a mortgage marketplace that searches rates across 226 lenders and 2,419 loan officers, offering a wide range of home loan products with a price-match guarantee of $1,000 if they can't beat another offer.

4.5/5
Contact BBB: NR

Best for: Borrowers seeking to compare multiple lender offers without contacting each lender individually, Self-employed individuals and real estate investors needing specialized loan programs (Bank Statement, DSCR loans)

View Details
Help U Lend logo

Help U Lend

National mortgage broker offering personalized home financing solutions across six states with emphasis on customer service and market expertise.

4.4/5
Contact BBB: NR

Best for: Homebuyers in California, Oregon, Washington, Texas, Colorado, or Florida seeking personalized mortgage guidance, Borrowers with non-standard situations who benefit from broker access to multiple lenders

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Private Lender Link, Inc. logo

Private Lender Link, Inc.

Private Lender Link is a marketplace platform connecting real estate investors and brokers with hard money lenders for investment property financing, including bridge loans, fix-and-flip loans, and construction financing.

4.4/5
Contact BBB: NR

Best for: Real estate investors and property flippers seeking short-term bridge or fix-and-flip financing for investment properties ($50K+), Commercial real estate brokers connecting clients with institutional-grade private lending for multifamily or CRE transactions

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The Mortgage Outlet logo

The Mortgage Outlet

Family-owned mortgage broker and lender offering home purchase, refinance, and home equity loans across most U.S. states with specialized programs for tech workers, self-employed borrowers, and first-time homebuyers.

4.4/5
Contact BBB: NR

Best for: Tech workers and startup employees with Restricted Stock Units seeking to qualify for mortgages, Self-employed borrowers, freelancers, and business owners who lack traditional tax return documentation

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Habitat for Humanity East Bay/Silicon Valley - Milpitas logo

Habitat for Humanity East Bay/Silicon Valley - Milpitas

Habitat for Humanity East Bay/Silicon Valley builds and finances affordable homes for low-income families across the Bay Area, offering homeownership to households earning up to 120% of area median income.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers earning under 120% of Area Median Income in Bay Area counties, Low-income families seeking affordable homeownership with counseling and community support

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