A California broker who knows your block.
Serving San Jose, Campbell, Santa Clara County, and the greater Bay Area.
I'm Chris Johnson — a lifelong Californian and mortgage broker serving the Bay Area, Central Coast, and beyond. Local market, local lenders, local relationships.
No jargon, no pressure — just the right loan for the life you're building here.
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5.0★
198+ verified reviews
1,200+
Families funded
$1.4B
In loans closed
One Trusted Advisor for Real Estate & Mortgage.
Buying or selling a home shouldn't require multiple advisors who don't communicate with one another. As both a licensed California Real Estate Broker and Mortgage Loan Originator, I help guide clients through every step of the process — one trusted relationship from financing through closing.
Real Estate Expertise
Helping you buy, sell, and negotiate with confidence.
Mortgage Financing
Finding financing solutions tailored to your goals.
One Trusted Relationship
From your first conversation to closing day and beyond.
Which sounds most like you?
Pick the situation that fits. I'll point you to the right numbers, the right program, and a no-pressure next step.
NMLS #235072CA DRE #01131369Affinity Mortgage | NMLS #252576San Jose's trusted mortgage broker — 30 years serving Santa Clara County.
Based in Campbell and serving San Jose, Los Gatos, and the wider Bay Area, I help first-time buyers, growing families, and seasoned investors find financing that fits — without the noise. For more than 30 years, I've helped buyers, homeowners, and investors navigate changing markets with practical guidance and personalized financing strategies. The relationships I've built with local agents, appraisers, and lenders mean fewer surprises and faster closes for you. As a licensed California real estate broker, I can also represent buyers and sellers directly — making me a true one-stop resource for Bay Area homeowners and investors.
CA-born
Lifelong local
1,200+
Families funded
15+
Loan & Real Estate Programs
Have a quick question? Just text me.
Most questions get a same-day reply. No forms, no email chain — just a real answer from Chris.
A loan for every chapter.
Conventional
Flexible terms for buyers with steady credit and stable income.
FHA Loans
Lower down payments — a great fit for first-time buyers.
VA Loans
Honoring our veterans with $0 down financing options.
Jumbo Loans
Financing beyond conforming limits, made simple.
USDA Loans
Rural-area homeownership with attractive terms.
Reverse Mortgage
Homeowners 62+ can convert home equity into tax-free income with no monthly mortgage payment required.
Self-Employed Loans
Business owners and 1099 earners can qualify using bank statements, P&L, or asset depletion — no tax returns required.
Real Estate Investor Loans
DSCR, fix-and-flip, multi-unit, and portfolio loans for Bay Area investors. Qualify on property income, not personal income.
Hard Money & Private Loans
Fast, asset-based financing for investors and time-sensitive deals. Close in as little as 7–14 days when conventional lending isn't fast enough.
I'll match the right program to your situation.
Tell me a little about your goal — I'll come back with the 2–3 loans that actually make sense.
See your monthly payment in seconds.
Slide the inputs. The estimate updates live — no email, no signup. When you're ready, Chris turns it into a real plan.
Estimated total payment
$7,393/mo
Includes principal, interest, taxes, insurance.
Loan amount
$960,000
Like the number? Let's make it real.
Apply now Text this scenario to ChrisNot sure what rate to use? Read this week's rate update Open full calculator suiteCommon questions from Bay Area homebuyers
Let's pressure-test it in 15 minutes.
Bring your estimate to a quick call. Chris will tell you what's realistic, what's missing, and what a real rate looks like today.
Why work with Chris
Local-first guidance
Rooted in California neighborhoods — I know the appraisers, the agents, and the quirks of every zip code I lend in.
Straight answers
Decades inside California real estate means clear advice without the runaround.
Move at your pace
Whether you're shopping next week or next year, I meet you where you are.
One-Stop Shop
As a licensed California real estate broker and mortgage broker, I can handle your financing and represent you in the transaction — no coordination gap, no conflicting advice, just one trusted advisor from offer to close.
A lifelong Californian funding California homes.
Born here. Raised here. Still here — closing loans for the neighbors I grew up with.
- San Jose
- Campbell
- Los Gatos
- Saratoga
- Santa Clara
- Sunnyvale
- Mountain View
- Cupertino
- Morgan Hill
- Gilroy
Rated 5.0 stars across 198+ verified client reviews.
68 on Google, 32 on Yelp, and 98 on WalletHub — every quote below is real. Tap any card to read it on the original source.
5.0
Yelp & Google
"Chris was solid from start to finish. Kept things moving, was always reachable when we had questions, and made sure we understood what we were signing up for. Closed on our first home without any surprises on the lending side. Couldn't ask for more."
Jonn Ventura
Google review · Apr 30, 2026
"Chris made us feel so supported during the whole home buying process! As first-time home buyers there were a lot of nerves and uncertainty. He provided a quick and seamless loan process. Would recommend him to anyone!"
Emma Alexander
Google review · Apr 29, 2026
"From start to finish, everything went very smoothly, and that was largely because of your guidance and support. Responsive, kind, and patient — thank you for your outstanding support purchasing my first home."
SFGiantsGirl
Google review · Jan 3, 2026
"As first-time homebuyers, Chris made the entire process feel manageable and clear. Prompt responses, honest, professional, and genuinely invested in his clients' best interests. Wholeheartedly recommend him."
Alicia Mesa
Google review · Jun 11, 2025
"We've done six deals with Chris over the last 12 years — 4 new home purchases and 2 refis. Always honest, prompt and reliable, and a trusted asset in all of our real estate dealings."
Anthony Gonzales
Google review · Aug 16, 2024
"Chris is incredibly knowledgeable, efficient, and supportive. He worked within my timeframe, secured an amazing rate, and made everything smooth and stress-free. The best in this business."
Fernando Albuquerque
Google review · Jul 11, 2024
Let's talk about your next home.
A short, no-pressure call is the easiest way to see what you qualify for and what makes sense for your family.