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, offering personalized support and strategic solutions tailored to individual financial goals. Our independent brokerage model provides access to over 75 lenders, ensuring competitive rates and diverse loan options for conventional and non-traditional borrowers. Specializing in home purchases, refinancing, reverse mortgages, and commercial loans, we prioritize transparency and client education throughout every transaction.Our team's expertise in alternative financing caters to self-employed individuals and those with complex financial profiles, while our streamlined digital process ensures efficiency without compromising personalized service. With a proven track record of helping clients achieve homeownership and financial flexibility, we remain committed to delivering exceptional service that extends beyond mere transactional relationships.
Services
Home Loans
Refinance
Reverse Mortgage
Commercial Loans
Self-Employed Loans
Details
- Year established: 2001
Highlights and features
- We have 27 years of experience helping families achieve homeownership goals
- We work exclusively for clients, not banks, with access to 75+ lenders
- We specialize in loans for self-employed and non-traditional income borrowers
- We offer alternative financing options including Non-QM and hard money loans
- We provide personalized guidance through our streamlined digital process
What people say
Seamless process
Personalized service
Expertise in complex cases
Helped with self-employed loans
Knowledgeable staff
Services
Home Loans
We help clients purchase their dream homes with tailored mortgage solutions. Our process determines qualification amounts, budgeting for down payments and closing costs, and streamlines the path to homeownership. With access to multiple lenders, we secure competitive rates for conventional and non-traditional borrowers, including self-employed individuals and those with complex financial profiles.
Refinance
Our refinancing services help clients reduce monthly payments, consolidate debt, or access home equity for investments. We offer cash-out refinances for home improvements or business ventures while maintaining a streamlined process that typically closes within 21-25 days. Our expertise includes conventional and alternative refinancing options for diverse borrower profiles.
Reverse Mortgage
We provide reverse mortgage solutions that allow seniors to convert home equity into supplemental income without monthly payments. Our process includes mandatory counseling and personalized options to ensure financial security during retirement. We specialize in helping clients eliminate existing mortgages and create sustainable retirement plans through strategic equity utilization.
Commercial Loans
Our commercial lending services cater to investors and business owners seeking property financing. We offer SBA loans and conventional commercial mortgages for various property types including retail, industrial, and mixed-use spaces. Our expertise simplifies complex commercial transactions through access to multiple lenders and tailored financing structures for different business entities.
Self-Employed Loans
We specialize in mortgage solutions for self-employed individuals and those with non-traditional income verification needs. Our alternative documentation options and specialized loan programs accommodate 1099 contractors, business owners, and foreign nationals. We've developed streamlined processes to verify income through bank statements and other financial indicators rather than traditional W-2 forms.
People
Alan Eidinger
Founder
Alan Eidinger founded Silicon Valley Mortgage in 2001 after seven years as a realtor and loan officer. He recognized the need for broader lender access and alternative financing options, particularly for self-employed borrowers. With 27 years of industry experience, he specializes in strategic mortgage solutions and has helped thousands of clients achieve homeownership through personalized guidance and innovative financing approaches.
Questions
What documents are needed for mortgage pre-approval?
Pre-approval requires recent paystubs, two years of tax returns, W-2s/1099s, bank statements, and a valid ID. Self-employed borrowers need additional financial documentation.
How much down payment is required for a home purchase?
Owner-occupied homes require as little as 3% down, while investment properties start at 10%. Most buyers put 20-25% down to minimize monthly payments.
Can self-employed individuals qualify for mortgages?
Yes, we specialize in alternative documentation options for self-employed borrowers, using bank statements and business financials instead of traditional W-2 forms.
What are the benefits of using a mortgage broker?
Brokers access 75+ lenders for competitive rates, offer more loan programs than banks, and work exclusively for clients rather than specific institutions.
How long does the mortgage process take?
Purchase loans close within 30 days, refinances in 21-25 days. Reverse mortgages take 30+ days depending on counseling and appraisal timelines.
What credit score is needed for mortgage approval?
Minimum 580 for standard loans under $647,200, 680 for jumbo loans. We help clients with lower scores find alternative financing options.
