Business Details
25 Years
experience
Your Trusted Mortgage Broker in Los Gatos, CA
Silicon Valley Mortgage has been guiding families through mortgage processes for 27 years, specializing in home loans, refinancing, reverse mortgages, and commercial lending. Our independent broker model provides access to over 75 lenders, ensuring competitive rates and tailored solutions. We focus on unconventional borrowers and properties, including self-employed individuals and non-traditional income verification.Our streamlined digital process delivers pre-approvals within 24 hours and closes purchase loans in 30 days. With expertise in alternative financing like Non-QM loans, we combine market knowledge with personalized service to align mortgage strategies with clients' financial goals.
Services
Home Loans
Refinancing
Reverse Mortgages
Commercial Loans
Self-Employed Loans
Details
- Year established: 2001
Highlights and features
- We offer 27 years of mortgage industry experience
- Our team works exclusively for clients' interests
- We provide access to 75+ lenders and loan products
- We specialize in unconventional property financing
- We serve non-traditional borrower profiles
What people say
Seamless process
Personalized support
Expert service
Successful approvals
Competitive rates
Services
Home Loans
We specialize in home purchase loans with down payment options starting at 3% for owner-occupied properties. Our streamlined process secures pre-approvals within 24 hours and closes purchase loans in 30 days. With access to 75+ lenders, we offer competitive rates for conventional and non-traditional borrowers.
Refinancing
Our refinancing solutions reduce monthly payments through rate/term adjustments or cash-out options for home improvements. We close refinance loans in 21-25 days with flexible credit score requirements starting at 580. Special programs accommodate jumbo loans and non-QM financing.
Reverse Mortgages
We provide FHA-insured reverse mortgages for homeowners aged 60+ to eliminate monthly payments and supplement income. Our process includes mandatory counseling and appraisal coordination, with loan proceeds available as lump sums, monthly payments, or credit lines.
Commercial Loans
Our commercial lending division offers SBA loans and property financing for 12+ property types including retail, industrial, and mixed-use. We structure deals for LLCs, corporations, and nonprofits with closing timelines of 45-90 days for purchases and 45-60 days for refinances.
Self-Employed Loans
We specialize in alternative documentation loans for self-employed borrowers using bank statements or 1099 income verification. Our non-QM programs accommodate credit scores below 580 and offer jumbo loan options up to $800,000 with flexible debt-to-income ratios.
People
Alan Eidinger
Founder
Alan Eidinger founded Silicon Valley Mortgage in 2001 after seven years as a realtor and loan officer. He developed systems to simplify mortgage processes for self-employed borrowers and created partnerships with 75+ lenders to expand financing options.
Questions
What mortgage loan programs do you offer?
We offer conforming, jumbo, non-QM, investor, and SBA loans with credit score requirements starting at 580 for standard loans.
How long does the mortgage process take?
Refinances close in 21-25 days while purchase loans typically close within 30 days from application submission.
Can self-employed borrowers qualify for loans?
Yes, we specialize in alternative documentation loans using bank statements and 1099 forms for income verification.
What are typical closing costs?
Closing costs average $3,850 for loans under $800,000 covering underwriting, processing, title, and escrow fees.
Do you offer reverse mortgages?
Yes, we provide FHA-insured reverse mortgages for seniors aged 60+ with proceeds available as lump sums or monthly payments.
How much down payment is required?
Down payment requirements start at 3% for owner-occupied homes and 10% for investment properties.
