San Jose is the largest city in Northern California and the Santa Clara County seat, a collection of distinct neighborhoods spread across the valley floor from Willow Glen and the Rose Garden to Almaden Valley and Evergreen. We help San Jose buyers, homeowners and investors with conventional, high-balance, jumbo, FHA and VA financing, refinances and equity lines. An FHA loan in San Jose is one of the most accessible ways to buy a home. Insured by the Federal Housing Administration, FHA loans allow as little as 3.5 percent down, accept credit scores well below conventional minimums and allow higher debt-to-income ratios. Pacific National Lending brokers FHA loans through multiple FHA-approved lenders so San Jose buyers get competitive pricing.
Call Pacific National Lending for FHA loans in San Jose: (916) 526-2700
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San Jose has the widest range of prices in Silicon Valley, from condos and townhomes that fit high-balance conforming and FHA limits to jumbo purchases in Willow Glen, Almaden and Silver Creek. Buyers are typically technology workers with stock and bonus income, and long-time owners sitting on large equity often use HELOCs and cash-out refinances to remodel, add an ADU or help family buy. FHA loans in San Jose require a minimum 3.5 percent down payment with a 580 or higher credit score, and the down payment can come from savings, a gift from family or an approved down payment assistance program. Sellers can also contribute toward closing costs, which keeps cash to close manageable in this market.
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Housing includes 1920s and 30s homes in Willow Glen, the Rose Garden, Naglee Park and Japantown, 1950s to 70s ranch homes in Cambrian, Blossom Valley and Berryessa, larger homes in Almaden Valley, Evergreen and Silver Creek, and condos and high-rises downtown and near Santana Row. FHA appraisals in San Jose include a property condition review, so peeling paint, safety issues or a damaged roof can require repairs before closing. We flag likely issues early and know which lenders and appraisers handle FHA files smoothly, so your San Jose purchase stays on schedule.
FHA also offers a Streamline Refinance for existing FHA borrowers in San Jose, which can lower the rate with reduced documentation and no new appraisal in most cases. If you already have an FHA loan, ask us whether a streamline makes sense.
Pacific National Lending serves Willow Glen, Rose Garden, Almaden Valley, Evergreen and the rest of San Jose for FHA loans. San Jose is a little over two hours from our Gold River office, and we handle San Jose loans by phone, email and e-signature.
For FHA loans in San Jose, 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.
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