Mortgage broker serving Gilroy, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Gilroy buyers, we match your unique situation to the right program.
With prices approaching $1.25M, Gilroy buyers benefit from strategic conforming vs jumbo analysis.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Gilroy purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Gilroy home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Gilroy starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Gilroy home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Gilroy property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Gilroy homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Gilroy home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Gilroy homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Gilroy with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Gilroy first-timers. 3.5% down, 580 credit minimum.
Higher-end Gilroy properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Gilroy's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Gilroy buyers.
Bridge loans help Gilroy buyers compete. Make non-contingent offers while selling current home.
Gilroy investment properties in LLC. Entity financing available for investors.
Most Gilroy mortgages qualify for conforming refinance. Lower your rate under the limit.
Gilroy homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Gilroy refinance with VA IRRRL. No appraisal, no income verification.
Gilroy HELOC options for home equity access. Credit line with variable rate draw period.
Gilroy FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Gilroy. Fixed payments unlike variable HELOC.
Gilroy rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Gilroy use fix-and-flip financing. Purchase plus rehab in one loan.
Gilroy apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Gilroy. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Gilroy buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Gilroy buyers.
Local Gilroy DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Gilroy buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Gilroy family purchases. Parents selling to children at discount.
Gilroy buyers use non-occupant co-borrowers. Parents help children qualify for homes.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Gilroy sits at the southern tip of Santa Clara County, about 37 miles south of San Jose. Population is 58,696, median household income $127,391. The homeownership rate here is 63.6%, which tells you families are putting down roots. At $1.1M median home price, this is the most affordable option left in the Bay Area if you're trying to stay within Santa Clara County limits. That household income means most buyers here need jumbo loans, but you're still paying 30-40% less than San Jose proper for similar square footage.
The elementary school situation is solid if you're buying with kids in mind. Las Animas, Rucker, Luigi Aprea, El Roble, and Eliot Elementary all serve different parts of town, and the district has been stable enough that families stick around through high school. School ratings matter for resale value, and Gilroy's scores hold steady in the 5-7 range depending on the campus. You're not getting Palo Alto scores, but you're also not paying Palo Alto prices. The real advantage here is space. Your $1.1M gets you a full house with a yard, not a 1,200 square foot townhome like you'd find 20 miles north.
Where you buy in Gilroy affects your commute and your lifestyle, but prices run pretty consistent across the board at $1.1M. Downtown Gilroy centers on Monterey Street with older architecture and walkable local businesses. You'll find homes from the 60s and 70s mixed with some Victorian era stuff, and conventional jumbos work fine if you've got 20% down. Glen Loma Ranch offers newer construction, which means modern floor plans and less immediate maintenance. Lenders like newer builds because appraisals come in cleaner. South Gilroy has seen the most recent residential growth, so you're looking at homes built in the last 15-20 years with HOAs in some developments. All three areas hit that $1.1M mark, so your choice comes down to commute direction and whether you want historic charm or newer finishes.
The commute to San Jose runs 37 minutes on a clear day, which is the main reason people choose Gilroy. You're saving $400K-$600K compared to San Jose proper, and that 37 minutes is doable if you're hybrid or going in three days a week. San Francisco is 84 minutes, Oakland 74 minutes, Palo Alto 51 minutes. Here's the thing: that commute time is why your mortgage payment stays manageable. If you work in tech and can swing a few days remote, you're getting Bay Area salaries with actual breathing room in your budget. Local transit exists but most buyers here are two-car households because you'll need to drive.
Kaiser Permanente is the major employer in town, which gives Gilroy some local job stability in healthcare. But real talk, most buyers here commute north to San Jose or the broader South Bay for work. The median household income of $127K reflects that tech and professional services money flowing in from outside. You're not buying in Gilroy for the local job market unless you're in healthcare. You're buying because you can qualify for a jumbo loan on a full house instead of stretching for a condo in Mountain View. The economy here is tied to the broader Bay Area, which means your property value moves with Silicon Valley even though you're 37 minutes south.
Common questions from Gilroy homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Gilroy closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Gilroy: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Gilroy buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Gilroy buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Gilroy buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Gilroy families purchase with minimal upfront cash.
2026 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Gilroy properties fall within conforming limits, maximizing your financing options.
For Gilroy's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Gilroy. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Gilroy. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Gilroy. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Gilroy typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Gilroy: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Gilroy buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Gilroy. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Gilroy typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Gilroy closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Gilroy properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Gilroy buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Gilroy buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Gilroy families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Gilroy. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Gilroy. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Gilroy's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Gilroy is $1,250,000 for 2025, which covers most homes in this market. With median home prices around $1.1M, you'll find that FHA financing works well for the majority of properties here. This higher limit reflects Santa Clara County's elevated housing costs compared to most of California.
Most buyers in Gilroy won't need a jumbo loan since the conforming limit is $1,250,000 and the median home price is $1.1M. However, if you're looking at properties above $1.25M, you'll need jumbo financing. About 15. 20% of Gilroy homes fall into the jumbo category, particularly newer or larger properties.
For 2026, Santa Clara County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply throughout the county, including Gilroy, and are reviewed annually based on home price trends. The high limits reflect the Bay Area's strong housing market and allow most buyers to access conventional financing.
Yes, VA loans are available in Gilroy with a loan limit of $1,250,000, covering most homes in the area. Veterans and active military can finance up to this amount with no down payment required. For homes above $1.25M, you can still use a VA loan but you'll need a down payment on the amount exceeding the limit.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible even in this upper. middle market. CalHFA programs provide down payment and closing cost assistance for first. time and repeat buyers, with income limits around $204,550 for Santa Clara County. Santa Clara County also offers local assistance programs that can help bridge the gap on Gilroy's typical $900K. $1.25M homes.
For a typical $1.1M home in Gilroy, you'll need $220,000 down (20%) for conventional financing to avoid PMI, though you can put down as little as 3. 5%. FHA loans require just 3.5% down ($38,500), while VA loans offer $0 down for eligible veterans. Many established professionals in this market opt for 10. 15% down to balance monthly payments with upfront costs.
Most lenders require a minimum credit score of 620 for conventional loans in Gilroy, though 680+ gets you better rates on these higher loan amounts. FHA loans can work with scores as low as 580, which is helpful given the $900K. $1.25M price range. For the best rates on Gilroy's typical $1M+ mortgages, aim for 740 or higher to maximize your savings.
Look for a lender experienced with Gilroy's upper. middle market and comfortable handling loan amounts near or above $1M. You'll want someone who can explain both conforming and jumbo options since you're right at that threshold, and who offers competitive rates on larger loans. Compare at least three lenders on rates, fees, and their familiarity with Santa Clara County programs and requirements.
Fill out the form below and we'll reach out to discuss your Gilroy mortgage options.
We respond within 24 hours
