Silicon Valley Mortgage Calculator
Real-time payment estimates with Silicon Valley property taxes, conforming vs. jumbo thresholds, and RSU income — built for Bay Area buyers.
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Conforming vs. Jumbo
Tax Rates by City
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Mortgage Calculator FAQ
What is the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage keeps the same interest rate for the entire loan term (typically 15 or 30 years), providing predictable payments. An adjustable-rate mortgage (ARM) starts with a lower rate for an initial period (5, 7, or 10 years), then adjusts periodically based on market indexes. Use the loan type selector above to compare monthly payments side by side at today's live rate.
Which mortgage type is best for tech professionals in Silicon Valley?
It depends on your timeline. If you plan to stay 5–7 years — common in tech — a 7/1 ARM can save thousands in interest versus a 30-year fixed. If you plan to stay long-term, a 30-year fixed provides stability. Dual-income tech couples with large RSU vesting schedules may benefit from a 15-year fixed to minimize total interest paid over ownership.
What is a jumbo loan and when do I need one in Silicon Valley?
In most of Silicon Valley, any loan above the conforming limit (approximately $1,149,825 in Santa Clara County for 2026) is a jumbo loan. Jumbo loans typically require higher credit scores (720+), larger down payments (10–20%), and more cash reserves than conforming loans. Jumbo rates are often slightly higher, though competitive lenders narrow the gap for strong borrowers.
What is a mortgage point and should I buy the rate down?
One mortgage point equals 1% of the loan amount paid upfront to reduce the interest rate by roughly 0.25%. For a $1M loan, one point costs $10,000. Buying points makes sense if you plan to stay in the home long enough to recoup the upfront cost through lower monthly payments. Use this calculator to compare loan scenarios at different rates to evaluate the break-even.
How does my credit score affect the mortgage rate I qualify for?
Credit scores have a direct impact on the rate you receive. Borrowers with scores above 760 typically receive the best available rates. Dropping from 760 to 700 can add 0.25–0.5% to your rate, which on a $1.2M loan translates to $150–$300 per month in additional interest. Paying down credit cards before applying and avoiding new credit inquiries can improve your score before purchase.
Is a 15-year mortgage worth it for Silicon Valley buyers?
A 15-year mortgage comes with a lower interest rate (typically 0.5–0.75% below a 30-year) and cuts total interest paid roughly in half, but the monthly payment is 40–60% higher. For tech professionals with strong incomes and shorter intended holding periods, this can be an effective wealth-building strategy. The tradeoff is less monthly cash flow for investments or lifestyle.