Conventional Mortgage Lenders in Saratoga, CA

Residents of Saratoga benefit from access to multiple high-quality conventional mortgage providers—including seasoned local brokers and national institutions with deep lending experience in the Bay Area.

Leading Local Mortgage Lenders

• Coast Residential Funding – John Lofano
• Servicing Saratoga and the broader Bay Area, Lofano offers customized conventional loan solutions backed by over two decades of local market expertise. loansontheweb.com
• UVC Financial (Conventional Loans)
• Based locally with a focus on conventional lending, UVC Financial provides comprehensive conventional mortgage options. uvcfinancial.com
• Summit Lending
• Though multi-state, Summit Lending specializes in conventional purchase loans online, serving Saratoga residents via virtual platforms. SummitLending

Popular Local Brokers (Per Yelp Recommendations)

• 101 Loan — Highly rated, offering tailored conventional loan services for local buyers. Yelp
• The Bachman Mortgage Team — Known for customized loan solutions and homeowner-focused service. YelpYelp
• o2 Mortgage — Popular for exceptional financing options, including conventional loans. YelpYelp
• Finet Mortgage of Saratoga — Local mortgage broker at the same address as John Lofano, offering a trusted conventional loan approach. YelpYelp

Community-Based Option

• Saratoga’s Community Federal Credit Union (Saratoga FCU)
• Offers conventional fixed-rate loans for home purchases or refinancing with as low as 3% down and cash-out options. saratogafcu.org

Why Choose a Conventional Loan?

Conventional mortgages—loans not backed by government agencies—are broadly accepted and offer flexibility for well-qualified borrowers. Some benefits include:

• Potentially lower interest rates if your credit and down payment are strong.
• Avoiding Private Mortgage Insurance (PMI) with sufficient equity or use of particular programs. Wikipedia
• Higher loan amounts, especially useful in high-value markets like Saratoga. Wikipedia
• Flexibility to refinance or perform cash-out mortgage transactions later.

Next Steps: Refinancing or Buying with Confidence

1. Compare Rates & Terms — Get quotes from Coast Residential Funding and local brokers.
2. Check Eligibility — Review FHA/VA options if your down payment or credit differs, but conventional loans often yield best value. Review My Mortgage
3. Understand PMI — Ask about PMI waivers or elimination options once equity grows. Wikipedia
4. Start the Application Process — Whether online or in-person, choose the lender who offers transparency and support for your refinance or purchase.

Contact Coast Residential Funding – John Lofano:

14415 Big Basin Way STE B, Saratoga, CA 95070

Call: 408-497-9999

Website: loansontheweb.com