Home Blog Apply Now! Speak to a Live Loan Officer: (408) 837-7747
Home Blog Apply Now! Speak to a Live Loan Officer: (888) 502-2136

Home Blog Apply Now!

Speak to a Live Loan Officer:

(408) 837-7747

Welcome to Golden State Mortgage
Your San Jose Mortgage Lender

LOW RATES. LOW FEES. FAST CLOSINGS.

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Our Popular San Jose Home Loans
30 Year Conventional, FHA, VA and USDA loan options
Conventional Fixed

4.375% | 4.458% APR

Primary, 2nd Homes &
Investment properties

FHA Rates

4.125% | 5.035% APR

Great for 1st time
home buyers, only 3.5% down

VA Rates

4.250% | 4.296% APR

100% Loan to $424,100 Tx Vet
Program Available

USDA Rates

4.250% | 4.695% APR

100% Financing Options
Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . Rate Assumptions

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San Jose Jumbo Loans

San Jose Home Loans
Jumbo Home LoansLoans over $417,000

Conventional

  • 95% Loan to Value

Jumbo

  • Loan Amount to 3 Million
  • Great Rates & Low Fees

San Jose VA Loans

San Jose VA Loans
VA Home LoansProudly serving our US Vets!

Advantages of VA Mortgage

  • Zero Down Payment Up to $417,000
  • Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Jumbo Available with Downpayment

San Jose FHA Loans

San Jose FHA Loans
FHA Home Loans1st Time Home Buyers

Great for First Time Home Buyers

  • Low Downpayment
  • Easier Credit Qualifying
  • Down Payment Assistance Allowed
  • Higher Debt to Income Allowed

San Jose Home Loans

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609 Rolling Hills #200, CA 90274

Northern California Home Loans

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San Jose New Home Loans & Refinancing – Why Golden State Mortgage?

San Jose mortgage lenders for FHA home loans, VA home loans, USDA mortgages, and Jumbo loans. We specialize in new home purchases as well as mortgage refinancing. As a local California mortgage company we have the flexibility and offerings that traditional mortgage brokers and mortgage banks can not provide. We will walk you step-by-step through the home lending process and keep you in the loop all the way to the end.  We offer ultra competitive rates and fees and customer service that is second to none. As a direct mortgage lender we can make quicker decisions and strive to close all new home loans in San Jose in 28 days or less. Let us earn your business and give our San Jose team a call today. Let us earn your business – same day approvals and free good faith estimates!

Our Mortgage Loan Process

San Jose New Home Loans

  • Direct Lender with Low Rates & Fees
  • Streamline Process, Fast Closings & Funding
  • Same Day Pre-Approvals
  • 21 Day Closings!

Value of the Golden State Difference
(it’s our people!)

Dale G.
Branch Manager

Russell Stout
Production Manager

Amy Hall
Operations Specialist

Ryan Collins
Client Relations Specialist

  • I WANT TO THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR HELP, PATIENCE AND UNDERSTANDING WHILE HANDLING OUR MORTGAGE REFINANCE. YOU SPENT A LOT OF TIME WITH US AND I JUST WANT TO THANK YOU FOR YOUR TIME AND SPECIAL ATTENTION YOU PROVIDED. WE ARE SO THANKFUL FOR YOUR HELP AND GLAD WE FINALLY CLOSED!!

    WHITNEY
  • WHEN I WASN’T ABLE TO GET A REFINANCING THROUGH MY BANK, DALE AND HIS TEAM HELPED ME TO REPAIR MY CREDIT AND FOUND A REFINANCING PROGRAM THAT WORKED FOR ME. EXCELLENT EXPERIENCE!

    JON & CATHY
  • FROM THE TOP OF MY HEART I WANT TO THANK EACH OF YOU FOR THE HARD WORK YOU DID IN HELPING ME AND MY FAMILY IN PURCHASING OUR FIRST HOME. YOU HELPED MAKE OUR DREAMS COME TRUE. I PRAY THAT GOD WILL BLESS EACH OF YOU BECAUSE IT IS THROUGH YOU HE OPERATED ON OUR BEHALF. MAY GOD BLESS EACH OF YOU AND YOUR FAMILIES. THANK YOU!

    LISA
  • I WANT TO THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR HELP, PATIENCE AND UNDERSTANDING WHILE HANDLING OUR LOAN TRANSACTION. YOU ARE IN A BUSINESS THAT INCLUDES A LOT OF EMOTIONS FROM YOUR CUSTOMERS AND YOU DO IT WONDERFULLY. PEOPLE’S DREAMS REST ON WHAT YOU DO AND YOU MAKE THEM COME TRUE.

    KIM
  • THANK YOU BOTH FOR YOUR HELP WITH THIS TRANSACTION. I ENJOYED WORKING WITH YOU, AND I APPRECIATE YOUR DILIGENT AND QUICK EFFORT. I HAVE ALREADY BEGUN REFERRING FRIENDS AND CO-WORKERS TO YOU (DALE & RUSSELL).

    SCOTT
  • THANK YOU, EVERYONE, FOR ALL OF YOUR HELP IN GETTING US INTO OUR DREAM HOME! WE ARE EXTREMELY GRATEFUL! THANK YOU!

    FRANK & JESSICA RANGEL
  • SHELLY, THANKS TO BOTH YOU AND DALE FOR MAKING THIS A GREAT EXPERIENCE.

    COLIN FERNANDEZ
  • THANKS SO MUCH, YOU TWO ARE GREAT PEOPLE TO WORK WITH AND WISH YOU ALL THE BEST.

    ROBERT YORK

San Jose Mortgage Lenders for VA Loans, FHA loans, and USDA Loans

We are a premier mortgage lender in San Jose with offices right here in California.   As a technology driven company and emphasis on customer service our home loan process simply can’t be matched. We strive to close all new home loans in 28 days or less and offer same day approvals in most instances.  Learn more about available San Jose home loans options.

SAN JOSE MORTGAGE LENDING: CALL US TODAY 888-502-2136

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