The Best Mortgage Broker in San Jose

We don’t want to brag, but if you are looking for the best mortgage lender in San Jose, CA, just call Avrus. We’ve been arranging mortgages since 1982, stringing together one smile after another, as satisfied customers move into their new homes.

Once upon a time, San Jose was considered a far-flung suburb of San Francisco. These days, it is bigger than San Francisco and still growing, as it approaches a million inhabitants. And few housing markets are as hot as San Jose, the heart of Silicon Valley. Surrounded by mountains on all sides, except for the Bay to the north, San Jose has little room to grow geographically. And that might be contributing to its housing price boom.

Buying a home in San Jose, or anywhere in Santa Clara County, could prove to be a shrewd investment, as prices are expected to keep outpacing those elsewhere in the country.

There’s no time like today to get your San Jose mortgage. We make sure you get the mortgage you need, in order to live in the house you want. Yes, San Jose can be pricey. But we are up to the task, and if we can shave a little off your mortgage rate, you will be pleasantly surprised at what you can afford.

The bank might say “No” to you. Several banks might say “No” to you. But we will say “Yes”.

 

Best Mortgage Rates in Santa Clara County

It’s not just San Jose and its closest towns, like Milpitas (95035), Santa Clara (95050 and 95051) and Campbell (95008), that we serve. If you are looking for the best mortgage broker in Santa Clara County, we are at your service.

Up into Silicon Valley, we are happy to arrange a mortgage in Palo Alto (94301 and 94306), Sunnyvale (94085, 94086 and 94087) and Mountainview (94040, 94041 and 94043) , as well as in smaller towns like Los Altos Hills and Los Altos (94022), Los Trancos Woods (94028), Permanente, Stanford (94305), Loyola (94024) and Cupertino (9514).

We understand that real estate is costly in communities like this. The good news is that we can often get you a lower interest rate mortgage than you can get for yourself.

Here’s why:

• We have more sources we can draw on - banks, trust companies and private sources that you would never even know about.
• We can shop around to dozens of places without booking an appointment; it would take you weeks to do that.
• We can often access unadvertised rates that the banks don’t tell people who walk in off the street.

Mortgages in Los Gatos, Saratoga and San Martin

All around Santa Clara County, we can get you the very best mortgage rates available. That includes the outskirts of San Jose, of course, including the best rate mortgage in Cambrian Park, Fruitdale, Saratoga (95070), East Foothills (95127), Alum Rock, Los Gatos (95032), Monte Sereno (95030), Coyote (95037), Lexington Hills (95006), Mount Hamilton (95140) and New Almaden. These are ideal places to live if you like an urban lifestyle but don’t want to be right in the center of the city.

If the southern corridor out of the Valley along Highway 101, including Morgan Hill (94037), San Martin (95046) and Gilroy (95020) is more to your liking, we’ll get you a no-fuss mortgage there, too.

No matter what town you plan to buy in, Avrus is your mortgage company. Call us at 1-800-741-4004.

Mortgages for Self-employed People in Silicon Valley

Self-employed people face some stiff challenges when it comes to arranging a mortgage, and Silicon Valley has its share of self-employed people - IT consultants, business consultants, graphic designers, programmers, freelancers of all kinds.

If you plan to move to Silicon Valley and need a mortgage in Palo Alto or Mountainview or Sunnyvale to set yourself up in business for yourself, we can help. You see, we don’t just rely on the same banks that will ignore your real financial situation because it doesn’t fit neatly into their requirements. We have a much wider and more varied array of lending sources from which to choose, and many of those sources understand that not everybody fits neatly into a bank’s formula. We offer mortgages for self-employed people.

For the best Palo Alto mortgage broker, call Avrus!

For the best Mountainview mortgage broker, call Avrus!

For the best Los Altos mortgage broker, call Avrus!

Call Avrus now: 1-800-741-4004.

Best Investor Mortgage Rates in Santa Clara County

With all the economic activity in San Jose and other cities in the County, investors are taking a closer look. The opportunities abound, There are commercial real estate opportunities for office space, but also for retail space, as the region keeps growing.

With housing so expensive, investing in condos and apartments just makes sense. People are still flocking to the Valley and the economy is still growing. Housing will remain at a premium, so if you have the means, this is the place to invest.

Avrus can arrange for you the best investor mortgage rates in California. Our extensive network gives us access to a variety of lenders for a variety of situations. Let us help you seal that deal and become the proud owner of investment property in San Jose or Silicon Valley, whether that be commercial or residential.

Call us today…

The Best Jumbo Mortgage Rates in San Jose

Some of San Jose’s neighborhoods are fairly expensive. In most cases, you’ll probably need a jumbo mortgage, unless you are coming forward with a pretty large down payment. A jumbo mortgage loan is one that requires a higher amount to be borrowed than Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) stipulate in their specifications.

Some of those fancy, upscale neighborhoods in San Jose that cost enough to warrant a jumbo mortgage include Glen Crest (95120), Silver Creek (95138), Almaden Meadows, Almaden Springs, Lynbrook (95129) and Willow Glen (95125).

Want to live in one of those upscale neighborhoods? No problem. Jumbo mortgages in San Jose are not that hard to do. We arrange them all the time, and we get people into their luxury homes. Although jumbo loans normally imply a higher interest rate than a conventional mortgage, we can often shave some of that difference off, making a jumbo mortgage from Avrus quite affordable.

For the best rate on a jumbo loan in San Jose, call us at 1-800-741-4004.

Best Jumbo Mortgage Rates in Palo Alto, Los Altos Hills and Mountainview

If you thought that San Jose was expensive, that’s nothing compared to the unassuming Silicon Valley town of Atherton, CA, home to the most expensive zip code in the country (94027). Atherton is just outside Santa Clara County, in San Matteo County, but it sets the tone for the rest of Silicon Valley, making it a more expensive area even than Hollywood and Beverly Hills.

The fanciest zip code within the boundaries of Santa Clara County is 94301 in Palo Alto. This ranks fifth overall in the USA. If you come to us for a mortgage in 94301, we will be impressed. And we’ll get you that mortgage!

Not far behind is Zip Code 94022, which includes Los Altos and Los Altos Hills, as well as Mountainview. Then comes 94028, which is Portola Valley, Ladera, Westridge and Los Trancos Woods, mostly in San Matteo County but partially in Santa Clara County. Zip Code 94024 is not far behind, comprising Los Altos and Loyola. None of the fancy neighborhoods in San Jose even come close to these six Silicon Valley zip codes.

If you have the income, we can get you the mortgage. Jumbo or conventional, or even an investor mortgage if that’s what you have in mind.

Call us now at 1-800-741-4004 to see what we can do for you.

The Lowest Jumbo Loan Rates in Santa Clara

What we do for conventional mortgages, we also do for jumbo loans. We shop around for you. We save you the time and trouble of filling in

multiple forms and visiting multiple banks and still not getting any lower a rate.

Even if it is a jumbo loan that you want for your house, we can get that for you, and we can get it at the lowest possible rate.

We know lenders of all kinds who value the kind of property you are buying. They are willing to go where the banks won’t tread. To summarize:

1. We get you a jumbo loan, no problem.

2. We get you the best possible jumbo loan rate, no problem.

And we’ll pull your credit report only once, so there is no chance of getting a red flag on your credit score for having it pulled too many times by too many banks, as you shop around.

Ready to put an offer on that home in Los Altos Hills or in Cupertino? Or on a house in Saratoga or Almaden Springs? Give us a call; we’ll get you the money. Here’s our number…

The Best Conventional Mortgage Rates in San Jose

Most of our customers in San Jose neighborhoods like Glen Crest, Silver Creek and Willow Glen come to us for a conventional mortgage. Even in Los Altos and Lexington Hills, conventional mortgages are most popular. This is because a conventional mortgage is for a typical amount that covers most house purchases.

Very rarely does someone buy a Loyola or Palo Alto mansion without having either a lot of spare cash on hand or a very nice down payment from an almost-as-luxurious home they are living in now.

Sometimes it happens. Sometimes people want to upgrade their lifestyle in one huge leap, and that is more than a conventional mortgage can handle. That’s something for a jumbo mortgage.

For everything else, there are conventional mortgages, and Avrus is your best conventional mortgage lender in Santa Clara County.

Need a Saratoga mortgage broker? Need a Los Gatos mortgage broker? Need a Monte Sereno mortgage broker? Find out just how good it can get. Call us today at 1-800-741-4004.

Best Conventional Mortgage Lender in Santa Clara County

Consider what happens when you walk in off the street at a bank in Mountainview or Santa Clara. You sit and wait. You fill in form after form after form. You wait some more. And then, if you are lucky, they say “Yes”. And if you are unlucky, they say “No”.

Either way, you are probably back out on the streets shopping for the best rate at another bank, this time in San Jose or Milpitas. And so it goes until you get tired of shopping around.

It takes time.

It takes effort.

It creates stress and frustration and all the things you don’t want when trying to arrange the financing for a house you have already decided to buy. You don’t need that hassle.

We save you the time and effort, and relieve you of the stress and frustration. When you come to Avrus, we have you fill in those forms just once. That’s all we need to shop around on your behalf.

And we are not limited to San Jose and Silicon Valley, nor are we limited to California. We have a huge network of lenders, including banks, trust companies and private sources, so we can do ten times the shopping around at one tenth the frustration and time. Your home in Lexington Hills or in Los Altos Hills is as good as yours. That’s the Avrus advantage.

But that’s not the only Avrus advantage…

Best Mortgage Rates from Palo Alto to San Martin

“Do I qualify for the best rates today?”

The answer is “Yes” … if you come to Avrus. We have a secret. We know how to get extra low unadvertised rates. Yes, it’s possible. The banks and other sources can do better than what the banks will tell their retail customers. They do it for big business all the time, and they can do it for you. But they won’t tell you that.

We know whom to talk to.

We know what questions to ask.

We know where to look.

We have access to conventional mortgage programs with the lowest rates, and we will get you the

best rates possible. Simply put, nobody will get you a lower interest rate home loan than Avrus.

So relax and put up your feet while we’re shopping around for the best mortgage rate, and dream of that beautiful property in Permanente or Los Gatos or Lynbrook. It’s almost yours.

Make it yours today! Call us at 1-800-741-4004.

The Best Home Refinancing in San Jose

People refinance their homes for all sorts of reasons. You might be thinking of refinancing your home, but don’t know where to start. Why not start with a call to Avrus? We have helped more people refinance their homes for a plethora of reasons than we care to count.

Some people want a new home loan at a lower rate than they already are paying. That’s great news, because we specialize in lower rates. Monte Sereno and Lexington Hills seem to be more affordable already.

Others want to refinance to access the capital in their homes - the equity - to upgrade their houses. A refinanced mortgage can help pay for major renovations or expansions of the house, instead of moving into a bigger or fancier home elsewhere. Your house in Mountainview or Silver Creek has never looked so good!

Still others want to refinance as a means of paying off debt.

Whatever your reason, you’ll be looking for the lowest interest rates for refinancing. Avrus can help you refinance your home, usually at a much lower rate than you would have expected.

The Best Conventional Mortgages to Pay Off Debt

With the high cost of living and a world of optimism bubbling around them, it’s no wonder that people in the San Jose - Palo Alto area sometimes get themselves in over their heads in debt. Fortunately, with rising property values, people have equity stored in their homes, especially in places like Los Gatos and Saratoga, where real estate prices have been climbing in recent years.

Avrus can arrange a debt consolidation mortgage for people whose equity has grown over the years. How does this work? Let’s say you purchased a home, and now have a conventional mortgage in Cupertino or Sunnyvale for $500,000 from many years ago, arranged with 25% down, which would be $150,000. So you had to borrow $350,000 through a conventional mortgage.

In the meantime, you might have paid down $100,000, so now you owe just $250,000 on your loan. At the same time, your home has almost doubled in value to $800,000 over the years. That means you have $550,000 in equity stored in your home. If you were to remortgage your home today for 75% of its value, that would be $600,000. Since you now owe just $250,000, that means you have $350,000 of room to borrow to bring your mortgage back up to 75% ($600,000 - $250,000 = $350,000).

In other words, if you have up to $350,000 of debt, you can roll that into a refinanced mortgage loan, which almost always is at a lower interest rate than a line of credit, credit cards or other loans. This does not reduce your debt, but it does reduce the amount of interest you have to pay on it. And the lower the interest, the faster you can pay off that debt.

We can get you the lowest interest rates for refinancing your San Jose home, whether it’s in East San Jose, North San Jose, South San Jose or in West Valley. If you have big debts or a high-value home, or a combination of the two, you might need something bigger than a conventional mortgage. We can also arrange for you the best jumbo mortgage refinance rates in Santa Clara County, from Palo Alto to Gilroy, from Fremont to Los Gatos.

Looking for a fast and easy quote service for debt consolidation mortgage rates? Call us now at 1-800-741-4004.

HARP Loans to Refinance Your Home

For those who have found themselves with a very high mortgage due to specific economic conditions, there is always HARP - the Home Affordable Refinance Program. This is a one-time-only program from the Federal Housing Finance Agency to help homeowners who cannot refinance due to dropping home prices.

We can set you up with a HARP loan if you qualify. Otherwise, we can set you up with a conventional or jumbo refinance mortgage.

We are your Loyola mortgage broker. We are your Sunnyvale mortgage broker. We are your Cupertino mortgage broker. We are Avrus!

Call us today…