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Welcome to GOLDEN STATE MORTGAGE – San Jose Mortgage Loans
Low Rates. Low Fees. Fast Closings!!

Apply OnlIne in 2 - 3 Minutes

Refinance Today and Save

Today's Mortgage Rates
Popular San Jose Mortgages - 30 Year Fixed Conventional, FHA, VA and USDA loan options
Conventional Rates

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30 Year Fixed

Low payments that never change

FHA Rates

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30 Year FHA

Stable monthly payment with less money down

VA Rates

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30 Year VA

100% loans to Conforming Jumbo Options available

USDA Rates

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30 Year USDA

100% financing rural properties

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

Why Golden State Mortgage?

Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing allows for fast approval and on-time fundings.
California Mortgage Lender with Low Mortgage Rates and Low Fees. FHA, VA, and USDA Approved Lender.
Local California mortgage company and provide top-notch customer support. We will be with you at every step from application to closing.

We Specialize in New Home Purchases

New Home Loan? Let us help!

  • Primary Residence, 2nd Home, Investment
  • Conventional, FHA, VA and USDA Loans
  • Renovation Loan Programs
  • Great Rates, Low Fees

California Mortgage Refinance Experts

Refinance Today & Save!

  • Reduce Monthly Payment
  • Shorten Mortgage Term
  • Cash-out Debt Consolidation
  • Streamline Options Available

California FHA Home Loans

Advantages of FHA Mortgages

  • Great 1st Time Buyers
  • Low Down Payment
  • Easier Credit Qualifying
  • 203K Renovations Loan

California VA Home Loans

Advantages of VA Loans

  • Zero Down, 100% Financing
  • No Monthly Mortgage Insurance
  • No Debt to Income Restrictions
  • Jumbo Option with Down Payment

California Conventional Home Loans

Conventional Loan Advantages

  • Primary, 2nd homes and Investment
  • Up to 97% Financing
  • No Up-front Funding Fees
  • Renovation Loan Programs

California USDA Home Loans

Advantages of USDA Loans

  • 100% Financing Rural Properties
  • Primary Residence Only
  • Closing Costs Can be Rolled In
  • Home Repairs Can be Rolled In

California Jumbo Home Loans

Advantages of Jumbo Mortgages

  • Primary & 2nd Homes
  • 80% Loan to Value
  • Fixed Rate and Arm Options
  • Reserves Required

California Reverse Mortgage

Let your home work for you

  • No Monthly Mortgage Payments
  • Cash-Out Options
  • Money it Tax Free
  • No Credit Score Requirements

San Jose, CA New Home Loans & Mortgage Refinance

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!


Your San Jose Mortgage Lender for VA, FHA and USDA mortgages

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.

Why More Californians Choose Us?  It’s Our People!
Call (800)536-8171

Speak to a Live Loan Officer

Have Mortgage Questions? Let's Talk by Email

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CALL US TODAY 800-536-8171

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