A California broker who knows your block.
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
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.
I'm buying my first home
See down payment options, credit basics, and what your monthly payment could look like.
Read the guideI'm refinancing
Check whether a new loan could lower your payment, shorten your term, or free up cash.
See if it's worth itI want to use home equity
Compare HELOC, cash-out refinance, and debt consolidation options on your terms.
Explore equity optionsI'm self-employed
Bank-statement, asset-based, and non-QM loans for income that doesn't fit a W-2 box.
Find a fitI'm buying in the Bay Area
Jumbo, high-balance, and local affordability realities — explained without the jargon.
Talk Bay Area numbersI'm a real estate agent
Fast preapprovals and a local lending partner who picks up the phone for your buyers.
Partner with Chris
A lifetime in California. A career guiding families home.
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. The relationships I've built with local agents, appraisers, and lenders mean fewer surprises and faster closes for you.
CA-born
Lifelong local
1,200+
Families funded
10+
Loan 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.
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
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 & Non-QM
Tailored solutions for unique financial situations.
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
$4,667/mo
Includes principal, interest, taxes, insurance.
Loan amount
$600,000
Like the number? Let's make it real.
Apply now Text this scenario to Chris Open full calculator suiteLet'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.
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
Mortgage insights & homebuying guides
Practical guidance on rates, loan programs, credit, and the California market — written for people, not algorithms.
What credit score do you really need for a mortgage in 2026?
FHA, Conventional, VA, Jumbo — each one looks at your score differently. Here's the honest minimum for each, plus what to do if you're under it.
First-time buyer? Here's how little down payment you actually need.
3%, 3.5%, 0% — the real down payment numbers for FHA, Conventional 97, VA, and USDA loans in California.
Is refinancing worth it in today's market?
A simple framework: rate drop, break-even months, and how long you'll stay. Skip the rules of thumb and run the actual math.
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.