Mortgage broker serving Mountain View, 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 Mountain View buyers, we match your unique situation to the right program.
Financing in Mountain View's premium market demands lenders experienced with jumbo loans above $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Mountain View 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 Mountain View home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Mountain View starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Mountain View 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 Mountain View 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 Mountain View 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 Mountain View home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Mountain View prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Mountain View.
Self-employed? Mountain View bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Mountain View properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Mountain View buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Mountain View buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Mountain View moves. Purchase before your current home sells.
Entity financing for Mountain View investors. Purchase in LLC for asset protection.
Mountain View loans under $1.25M get conforming refinance rates. Best rates available.
Access Mountain View home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Mountain View homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Mountain View veterans. Lower your rate without appraisal or income docs.
Mountain View home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Mountain View homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Mountain View can use DSCR financing. Rental income qualifies the loan.
Mountain View rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Mountain View apartment buildings. Commercial rates for larger properties.
Hard money financing for Mountain View commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Mountain View buyers with qualifying income.
CalHFA programs can help Mountain View first-time buyers. Check income limits for eligibility.
Mountain View family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Mountain View. Family member income helps qualification.
Check Mountain View city programs for additional DPA. May stack with CalHFA for more help.
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
Mountain View sits in the heart of Silicon Valley, smack in the middle of Santa Clara County. Population is 82,166, median household income $186,136. The homeownership rate here is 64.7%, which is impressive considering the median home price hits $1,850,000. Real talk: this is one of the most expensive markets in California, but there's a reason tech workers keep buying here. You're paying for proximity to some of the world's highest-paying jobs and the ability to walk or bike to work instead of burning three hours a day in traffic.
If you've got kids and you're spending nearly $2M on a house, the schools better deliver. Bubb Elementary pulls a 9 rating, Graham Middle an 8, Mountain View High an 8. These aren't just good scores, they're the kind of scores that protect your resale value when you're ready to move up or relocate. Tech families rotate through Mountain View every 4-7 years as they change companies or cash out equity, so strong schools keep demand steady. The district attracts families willing to stretch their budgets or go jumbo loan territory because they know the education quality justifies the mortgage payment. And that high ownership rate means your neighbors aren't transient renters, they're invested in the community even if they're not here forever.
Where you buy in Mountain View determines whether you're looking at conventional jumbo territory or creative financing strategies. Old Mountain View runs $1.5M-$2.8M, the historic core with walkable Castro Street and that small-town vibe people pay a premium for. Caltrain access matters here because you can actually commute to SF or down the Peninsula without driving. Moffett Field Area sits at $1.8M-$2.5M, mostly mid-century homes that tech buyers either renovate or tear down for new builds. Jumbo loans dominate both these areas. North Bayshore is the newer condo market at $1.2M-$2.2M, where Google employees can literally walk to work. HOA fees run high but you're trading yard maintenance for location. Whisman hits $1.7M-$2.3M, the family zone with bigger lots and better schools, popular with dual-income tech couples who need the space and can handle the jumbo loan requirements.
The commute situation here is what justifies the price tag. San Jose is 22 minutes, Palo Alto 16 minutes, San Francisco 48 minutes, Oakland 49 minutes. But here's the thing: most Mountain View buyers don't commute those distances daily. You're buying here because Google, LinkedIn, Intuit, Synopsys, and Microsoft are right here. The Googleplex is literally in town. Corporate shuttles run constantly if you do need to get to other campuses. Caltrain connects you up and down the Peninsula without the 101 nightmare. When you're deciding between Mountain View and somewhere cheaper like Gilroy or Tracy, you're really deciding whether you want two hours back in your day. That time savings is worth real money when you're calculating what monthly payment makes sense for your lifestyle.
Google is the 800-pound gorilla here, employing thousands at the Googleplex and driving much of the local economy. LinkedIn, Intuit, Synopsys, and Microsoft all have major presences, and NASA Ames Research Center adds government-backed stability. The job market is why people can afford $1.8M medians on paper. When household incomes push $186K and stock compensation adds another layer, suddenly a $1.5M-$2M mortgage pencils out with 20% down and a jumbo loan. The risk is that you're heavily concentrated in tech, so when the industry contracts, Mountain View feels it. But the diversity of companies here means you're not dependent on one employer's fate. If you work in tech and you're serious about career growth, living here puts you in the room where opportunities happen before they're posted on LinkedIn.
Common questions from Mountain View 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 Mountain View 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 Mountain View: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Mountain View buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Mountain View 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 Mountain View 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 Mountain View 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 Mountain View properties fall within conforming limits, maximizing your financing options.
For Mountain View'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 Mountain View. 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 Mountain View. 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 Mountain View. 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 Mountain View 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 Mountain View: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Mountain View buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Mountain View. 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 Mountain View 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 Mountain View 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 Mountain View properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Mountain View 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 Mountain View 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 Mountain View families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Mountain View. 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 Mountain View. 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 Mountain View'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 Mountain View is $1.25M for 2025. However, with median home prices around $1.9M, most properties here will exceed this limit and require either a jumbo loan or a larger down payment to bridge the gap. FHA loans can still work for condos or smaller properties priced closer to the limit.
You'll likely need a jumbo loan in Mountain View since the median home price is $1.9M, which exceeds the conforming loan limit of $1.25M. Properties above this threshold require jumbo financing unless you're making a down payment large enough to keep your loan amount at or below $1.25M. Many dual. income tech professionals in the area use jumbo loans for their competitive rates and flexible terms.
The 2025 loan limits for Santa Clara County are $1.25M for conforming, FHA, and VA loans. These limits typically adjust annually based on home price trends, so 2026 limits will be announced in late 2025. Given Mountain View's premium market, you'll want to monitor these updates if you're planning to purchase near the conforming loan threshold.
Yes, you can get a VA loan in Mountain View with a limit of $1.25M and no down payment required for eligible veterans. However, since most homes here are priced around $1.9M, you'd need to cover the difference above $1.25M with a down payment. VA loans are still an excellent option for veterans purchasing condos or lower. priced properties in the area.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible even in this premium market. CalHFA programs and Santa Clara County's down payment assistance can also help with closing costs and down payments, particularly for first. time buyers or those purchasing properties on the lower end of Mountain View's price range. These programs work best when combined with conforming or FHA loans under $1.25M.
For Mountain View's median home price of $1.9M, you'll typically need 10. 20% down, which translates to $190K. $380K. If you're using a conforming loan with the $1.25M limit, you'd need at least $650K down to cover the difference. Jumbo loans often require 15. 20% down, though some lenders offer programs with as little as 10% for well. qualified borrowers.
You'll generally need a credit score of at least 620 for conventional loans, though 700+ is recommended for Mountain View's premium market to secure competitive jumbo loan rates. FHA loans accept scores as low as 580, but with median prices at $1.9M, most buyers here have stronger credit profiles. Lenders look favorably on scores above 740, especially for jumbo financing with lower down payments.
Choose a lender experienced with Mountain View's premium market and jumbo loan products, as most properties here exceed conforming limits. Look for competitive rates, responsive communication, and expertise navigating high. balance transactions common among tech professionals in the area. A local lender who understands Santa Clara County's fast. paced market can help you close quickly and confidently.
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