Top 3 Mortgage Lenders in San Jose

Bay Equity Home Loans is one of the highest-rated mortgage lenders in the Bay Area with exceptional customer satisfaction ratings. As a full-service retail mortgage lender founded in the Bay Area, they have deep roots in San Jose and specialize in helping buyers navigate California's competitive real estate market. Their team of local loan officers provides personalized service with competitive rates on conventional, jumbo, and government-backed loans. The company has built a reputation for smooth closings and excellent communication throughout the loan process, making them a top choice for both first-time homebuyers and experienced investors in Silicon Valley.

As one of California's largest credit unions with deep roots in the Bay Area, Patelco Credit Union has been serving San Jose residents for decades. They offer competitive mortgage rates for members along with personalized service from local mortgage specialists who understand the unique Silicon Valley housing market. Patelco is particularly noted for their first-time homebuyer programs, low-down-payment options, and exceptional member service. Their not-for-profit structure often allows them to offer lower fees and more favorable terms than traditional banks, making them a popular choice for San Jose homebuyers seeking value and local expertise.

Guaranteed Rate has established a strong presence in San Jose with a local team of mortgage experts who specialize in Silicon Valley's unique real estate market. Known for their digital mortgage platform that streamlines the application process, they combine technology with personalized service to provide competitive rates and efficient closings. The San Jose office has particularly strong reviews for their expertise with jumbo loans and complex financial situations common in the high-cost Bay Area market. Their national reach combined with local expertise makes them a top choice for tech professionals, investors, and move-up buyers in San Jose seeking a modern mortgage experience with competitive terms.