Los Gatos is a small, affluent town at the base of the Santa Cruz Mountains where Highway 17 leaves Silicon Valley, with a charming downtown on North Santa Cruz Avenue and Victorian homes a short walk away. We help Los Gatos buyers and homeowners with jumbo and super-jumbo purchase loans, refinances and equity financing. Down payment assistance is one of the most underused tools in the Los Gatos market. Buyers assume they do not qualify or that the programs are too complicated, when in reality a first-time buyer with steady income and reasonable credit is often eligible for thousands of dollars in help.
Call Pacific National Lending for down payment assistance in Los Gatos: (916) 526-2700
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Los Gatos is among the highest-priced communities in Santa Clara County, so jumbo financing, large down payments and complex executive compensation are the norm. Homes in the mountains above town add wells, private roads and wildfire insurance to the picture, and we sort out those property questions before they can delay a closing. To use most assistance programs in Los Gatos, you must be a first-time buyer, meaning no ownership interest in a home in the past three years, occupy the home as your primary residence, complete a homebuyer education course and stay within the program's income limits for Santa Clara County.
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Housing includes Victorians and bungalows in the Almond Grove and Glenridge districts near downtown, 1950s and 60s ranch homes in Blossom Hill Manor and Belwood, estates along Kennedy Road and Shannon Road, and mountain homes off Highway 17. Assistance loans add a few steps to the closing, such as program approval and homebuyer education, and we manage all of them. Most Los Gatos purchases using CalHFA assistance close in about 30 to 35 days, and we set expectations with your agent and the seller from the start.
Assistance can often be combined with seller credits and lender credits, so an Los Gatos first-time buyer may bring very little to closing. We structure the offer with your agent so the seller's contribution covers what the program does not.
Pacific National Lending serves Almond Grove, Glenridge, Downtown Los Gatos, Blossom Hill Manor and the rest of Los Gatos for down payment assistance. Los Gatos is about two and a half hours from our Gold River office, and our Los Gatos clients work with us entirely by phone, email and secure e-signature.
For down payment assistance in Los Gatos, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "View of Santa Cruz Ave Los Gatos" by Ramkumar Menon, CC BY-SA 4.0.
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