Tricky Financing Is What We Do Best

Some loans are easy. Plug in a good credit score, steady income, below a certain loan amount, on an owner-occupied property, and a computer can approve it in minutes. Not checking all of those boxes makes other lenders sweat. It’s just another day in San Jose for Benjamin Bankers.

Highly-rated Mortgage Lender

Benjamin Bankers is ranked 5 stars on Facebook, Pro-Experience and Zillow

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Ways We Can Help

Skills come from training and experience and our team has plenty of both.

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Jumbo Loans

In San Jose, the typical mortgage amount would be a jumbo loan in other parts of the country. That is why dealing with a jumbo loan specialist is imperative to keeping options like 5-10% down without mortgage insurance open.

Self Employed Loans | Benjamin Bankers

Self-Employed Loans

There are steps of the mortgage process that still involve faxing documents. It is no wonder that the industry has been slow to adapt to an America where being self-employed is not uncommon. We offer non-conforming loans in San Jose for sole proprietors and other self-employed workers, and yes, we understand that what you write off doesn’t necessarily lower your available income.

Investor Loans | Benjamin Bankers

Investor Loans

Not everyone buying an investment property is buying their ninth triplex supported by a team of lawyers. Unfortunately, it may seem that way with traditional lenders. Our investor loans allow qualification based on the rental income of the property in order to get financing on your terms.

Asset Based Loans | Benjamin Bankers

Asset Based Loans

If you have sizable liquid assets, the banking industry will break down your door trying to get your business. The same may not be said about the typical mortgage lender. Our non-QM mortgages in San Jose can help. We offer a reasonable way to qualify loans on the basis of these assets without requiring tax returns and W2s.

ITIN Loans | Benjamin Bankers

ITIN Loans

Everyone has their own work and responsibilities. Ours is to get mortgages for our clients in their current situation. We can skip the social security number and work with your Individual Taxpayer Identification Number (ITIN) to get a mortgage. As always, we provide home ownership where others can’t with our non-conforming loans in San Jose.

Get a Cash Out Refinance | Benjamin Bankers

Get a Cash-Out Refinance

If you have a lot of equity in your home, you might wonder about options to use that equity. An equity loan taps those funds, but redoing your mortgage with a cash-out refinance might be a better option.

Know Your Options & Get Pre-Approved with Our Quick & Easy Tools

Get your FREE
Pre-Approval Letter

Getting pre-approved means you know what you have to work with. The pre-approval letter says the same to the seller. Both of you can know right away if this is the deal for you.

Analyze Your
Refinance Options

Our refinancing brokers in San Jose have a free refinance calculator that provides a way to discover what refinance options might work best for your situation.

Compare Today’s
Mortgage Rates

Mortgage rates change daily. The time to strike may be now. Look up rates on our website to see if today is the right day.

Your Loan – Fully Funded in 30 Days

Not only are we experts at getting financing for our clients with our non-conforming loans in San Jose, we are experts at getting their loans funded fast. In some cases, it may take just 30 days.

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Pick the Right Home
Purchase Loan for You

You put a lot of time and consideration into finding the right home for you. We put the same amount of time and consideration into finding the right loan for you.

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Get a Cash-Out Refinance

Unlock the money inside your home. Our cash-out refinance can provide up to 95% loan-to-value while still avoiding paying mortgage insurance.

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Shop Around for the
Best Rate

While you are shopping for the right property, you should be shopping for the best rate. Make sure to get the terms you need on a non-conforming loans in San Jose, while picking the rate you want.

Get a mortgage quote now! Stop worrying—Go build your future!

A mortgage is as unique as your perfect home. Factors like location, your current employment status, documentation needs, and overall financial health add up to the perfect loan like getting the right location, number of bedrooms, and overall quality add up to the perfect home.