We provide personalized mortgage solutions throughout San Jose and the greater Bay Area—offering low rates, fast closings, and expert guidance. Whether you're buying your first home, moving up, or refinancing, our local expertise and competitive loan options help you make smart, confident decisions.
The Mortgage Outlet is a family-owned mortgage broker and lender offering home purchase and refinance loans for residential properties.
Why Choose Us?
Trust
Real people. Real support.
In a world full of fakes.
Super Fast
Close your loan in as few
as 10 days—no surprises.
No Junk Fees
Nobody has time for application
or loan processing fees
Local Knowledge
San Jose is a city of contrasts—from the quiet, tree-lined streets of Willow Glen to the sleek condos and tech-driven energy of Downtown. We know the ins and outs of San Jose’s diverse neighborhoods and what makes each one special. Whether you’re a first-time homebuyer or relocating for work, we’ll help you find the right loan to match your ideal location, lifestyle, and financial goals.
Alameda
Qmunity
Almaden Valley
Heinlenville
Rincon de Los Esteros
Alum Rock
Hensley
Rincon South
Alum Rock
Japantown
Winchester
Alameda
Qmunity
Almaden Valley
Heinlenville
Rincon de Los Esteros
Alum Rock
Hensley
Rincon South
Alum Rock
Japantown
Winchester
Rose Garden
Alviso
King & Story
San Pedro Square
Berryessa
Little Portugal
Santa Teresa
Blossom Valley
Little Saigon
College Park
Rose Garden
Alviso
King & Story
San Pedro Square
Berryessa
Little Portugal
Santa Teresa
Blossom Valley
Little Saigon
College Park
Buena Vista
Luna Park
Shasta Hanchett Park
Calero
Chinatown
Silver Creek Valley
Cambrian
Mayfair
SoFA
Communications Hill
Buena Vista
Luna Park
Shasta Hanchett Park
Calero
Chinatown
Silver Creek Valley
Cambrian
Mayfair
SoFA
Communications Hill
Meadowfair
South San Jose
Coyote Valley
Midtown
Spartan Keyes
Downtown
Naglee Park
St. Leo's
East Foothills
North San Jose
Tamien
Meadowfair
South San Jose
Coyote Valley
Midtown
Spartan Keyes
Downtown
Naglee Park
St. Leo's
East Foothills
North San Jose
Tamien
East San Jose
North San Pedro
Washington-Guadalupe
Edenvale
Northside
West San Carlos
Evergreen
Palm Haven
West San Jose
Fairglen Additions
Willow Glen
East San Jose
North San Pedro
Washington-Guadalupe
Edenvale
Northside
West San Carlos
Evergreen
Palm Haven
West San Jose
Fairglen Additions
Willow Glen
Why Choose Us for Your San Jose Mortgage?
✅ Personalized loan solutions tailored to your financial goals
✅ San Jose borrowers can benefit from First Time Homebuyer Loans with below market interest rates and Bank Statement Loans for self-employed buyers—all designed to make homeownership more accessible
✅ Fast pre-approvals and expert guidance every step of the way
Home Loan Programs We Offer:
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Conventional Loans
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FHA, VA, and USDA Loans
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Jumbo and High-Balance Loans
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Refinance and Cash-Out Options
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First-Time Homebuyer Loans
We know the San Jose real estate market is competitive, with high home values and unique lending challenges. That’s why we focus on helping you maximize affordability with strategic loan planning and programs designed to reduce your interest rate and monthly payment.