San Jose Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in San Jose, California (License #DRE01852897). Santa Clara County is a high-cost area with a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling. Even so, many San Jose purchases exceed that amount and are financed as jumbo loans.
San Jose anchors Silicon Valley and is one of the most expensive housing markets in the nation. Financing here almost always involves high-balance conforming or jumbo loans, so accurate county limits and strong jumbo pricing are essential for Santa Clara County buyers.
Today's San Jose Mortgage Rates
Live best-execution California rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
High-Balance 30-Yr Fixed
6.250%
APR 6.332%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
VA 30-Yr Fixed
5.625%
APR 5.795%
Rates subject to change. See Rate Assumptions.
San Jose Home Loan Facts
Median Home Price
~$1,500,000
Curated San Jose estimate.
2026 Conforming Limit
$832,750
Santa Clara County baseline reference.
County
Santa Clara County
Loan limits are set at the county level.
Loan Limits & Market
Santa Clara County is a high-cost area with a 2026 conforming loan limit of up to $1,249,125 for a one-unit home — the national ceiling. Even so, many San Jose purchases exceed that amount and are financed as jumbo loans.
From Willow Glen and Almaden Valley to Evergreen and Berryessa, most single-family purchases in San Jose sit well above the baseline conforming limit. Dual-income tech households and large loan amounts make jumbo underwriting and rate certainty the deciding factors here.
San Jose Highlights
- Santa Clara County conforming limit up to $1,249,125 (2026)
- One of the highest median prices in the country
- Jumbo financing common above the county ceiling
- High-balance conforming for loans up to the limit
Property Taxes in California
California property tax is capped near 1% of assessed value under Proposition 13, with assessed value increases limited to 2% per year until a sale.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in California
CalHFA MyHome Assistance
Deferred-payment junior loan to help cover down payment or closing costs.
CalHFA Conventional & FHA
Below-market first mortgages pairable with down payment assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in San Jose, California
Your San Jose loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active California mortgage license (#DRE01852897). See our full licensing & disclosures for details.
Meet Ivan HendrenSan Jose Mortgage FAQ
What is the conforming loan limit in San Jose for 2026?
Santa Clara County, which includes San Jose, is a high-cost area with a 2026 conforming limit of up to $1,249,125 for a one-unit home. Loans above that amount are financed as jumbo loans.
Do I need a jumbo loan to buy in San Jose?
Often, yes. Because San Jose home prices frequently exceed the $1,249,125 high-cost limit for Santa Clara County, many buyers need a jumbo loan, though smaller loan amounts can still use high-balance conforming financing.
Other California Markets
All of CaliforniaLos Angeles
Median ~$970,000
High-cost metro where jumbo and high-balance conforming loans are common.
San Diego
Median ~$920,000
Strong VA demand near military installations plus a high-cost purchase market.
Sacramento
Median ~$560,000
More affordable capital-region market with active first-time buyer activity.
Orange County
Median ~$1,300,000
High-cost coastal Southern California market spanning Anaheim, Irvine, and Santa Ana.
San Francisco
Median ~$1,300,000
High-cost Bay Area metro where high-balance conforming and jumbo loans are standard.
Oakland / East Bay
Median ~$1,050,000
High-cost East Bay market drawing buyers priced out of San Francisco.
Inland Empire
Median ~$600,000
More affordable Southern California region using the baseline conforming limit.
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