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. Pacific National Lending provides home loans in Los Gatos for every kind of buyer: first-timers, move-up families, relocating professionals, veterans and investors. As a mortgage broker, we compare conventional, FHA, VA, USDA and jumbo programs across multiple lenders and recommend the one that costs you the least over the time you plan to own the home.
Call Pacific National Lending for home loans in Los Gatos: (916) 526-2700
Apply Here
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. Rates on Los Gatos home loans move daily, and the rate you qualify for depends on credit score, down payment, loan size and property type. We show you how each of those levers changes your payment, then lock the rate at the right moment with a lender who can close on your contract timeline.
Get Pre-approved
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. Our process for Los Gatos home loans is straightforward: a short application, a document checklist, a fully underwritten pre-approval you can shop with, then appraisal, final approval and closing. You get updates at each step, and one loan officer stays with your file from start to finish.
A home loan from PNL comes with a fully underwritten pre-approval, transparent pricing across our lender network, and a local team that answers the phone. Call (916) 526-2700 or apply online to see what you qualify for in Los Gatos.
Pacific National Lending serves Almond Grove, Glenridge, Downtown Los Gatos, Blossom Hill Manor and the rest of Los Gatos for home loans. 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 home loans 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: Home Loans · 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.
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.