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

Ways We Can Help
Skills come from training and experience and our team has plenty of both.

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