Business Details
25 Years
experience
Your Trusted Mortgage Broker in Los Gatos, CA
Silicon Valley Mortgage has been guiding families through the mortgage process for 27 years. Our independent brokerage model provides access to over 75 lenders, ensuring competitive rates and diverse loan options. We specialize in conventional, jumbo, and alternative financing solutions for self-employed individuals and non-traditional borrowers. Our streamlined process delivers pre-approvals within 24 hours and purchase loans closed in 30 days. We maintain transparency throughout the lending journey, offering personalized support for home purchases, refinancing, reverse mortgages, and commercial property financing.Our team of experts focuses on strategic financial planning that aligns with clients' long-term goals. We serve California residents with a particular emphasis on Silicon Valley's unique market needs. Our NMLS-registered brokers (ID #266756) combine industry expertise with localized market knowledge to deliver tailored mortgage solutions.
Services
Home Loans
Refinance
Reverse Mortgages
Commercial Loans
Alternative Financing
Details
- Year established: 2001
Highlights and features
- We have 27 years of mortgage industry experience
- We work exclusively for our clients' interests
- We offer financing for unconventional property types
- We specialize in loans for self-employed borrowers
- We provide access to 75+ lending partners
Associations and certifications
- NMLS #266756
What people say
Seamless process
Competitive rates
Personalized support
Quick pre-approvals
Expert guidance
Services
Home Loans
We specialize in home purchase loans with down payment options starting at 3% for owner-occupied properties. Our streamlined process delivers pre-approvals within 24 hours and closes purchase loans in 30 days. We offer conventional, jumbo, and alternative financing options for traditional and non-traditional borrowers.
Refinance
Our refinance solutions help homeowners reduce monthly payments, access home equity, or consolidate debt. We offer cash-out refinancing options and competitive rates for credit scores starting at 580. The process typically closes within 21-25 days with personalized rate comparisons from multiple lenders.
Reverse Mortgages
We provide reverse mortgage solutions for homeowners aged 60+ to convert home equity into tax-free income. Our counselors explain all options including lump sum payments, monthly income streams, and growing credit lines. We guide clients through the mandatory counseling process and appraisal requirements.
Commercial Loans
Our commercial lending team structures financing for income properties, mixed-use buildings, and business facilities. We offer SBA loans and traditional commercial mortgages with terms tailored to property types and borrower entities. We work with LLCs, corporations, and individual investors.
Alternative Financing
We specialize in non-qualified mortgage products for self-employed borrowers and unconventional income profiles. Our alternative financing options include bank statement loans, asset depletion programs, and hard money solutions. We help clients with complex financial situations secure mortgage approval.
People
Alan Eidinger
Founder
Alan Eidinger established Silicon Valley Mortgage in 2001 after seven years as a realtor and loan officer. He created the company to provide broader lender access and specialized financing for self-employed professionals. With 27 years of industry experience, he focuses on strategic mortgage planning.
Questions
What mortgage options are available for self-employed borrowers?
We offer bank statement loans, asset depletion programs, and alternative documentation options for self-employed individuals. Our brokers help non-traditional income earners qualify using specialized loan programs.
How quickly can you close a home purchase loan?
Our standard purchase loan closes within 30 days. We provide pre-approvals within 24 hours and maintain expedited processing for time-sensitive transactions.
Do you offer reverse mortgages for seniors?
Yes, we provide FHA-insured reverse mortgages for homeowners aged 60+. Our counselors explain all options including lump sum payments, monthly income, and growing credit lines.
What documentation is required for refinancing?
Refinance applications require recent paystubs, two years of tax returns, asset statements, and photo ID. We streamline the process with electronic document submission.
Can you help with commercial property financing?
We offer commercial loans for various property types including retail, office, and mixed-use buildings. Our team structures deals for LLCs, corporations, and individual investors.
What credit score is needed for mortgage approval?
We offer loans for credit scores starting at 580 for conventional loans and 680 for jumbo loans. Alternative financing options exist for borrowers with unique credit situations.
