I believe there is a very smart way to buy a home in Santa Clara County, (San Jose and surrounding cities) and very few people know about it, and even fewer have ever done it.
However, as a California Mortgage Broker, I have used this technique many times, and currently have many deals in the works throughout the state.
Since I specialize in Santa Clara County (San Jose), I will confine this post to that area.
If you are a home buyer looking to buy a home in San Jose, or perhaps a surrounding city like Cupertino, Sunnyvale, Los Gatos, Mountain View, etc., you would be well served to look at my Free Wholesale Interest Rate program.
This is the link to my web page that describes it more fully.
Briefly, if you the home buyer allow me to refer you to your Realtor (Buyer's Agent), then I will have prenegotiated that the Realtor will pay for the Loan Origination Fee.
That way, since I am receiving a Loan Origination Fee, you the home buyer are free to choose the wholesale interest rate.
Thus, you are NOT paying for the Loan Origination Fee. It is simply an additional credit you will receive to reduce your Closing Costs.
This is a great deal for the home buyer - you will save thousands of dollars - and - you will receive full service from the very best Realtors in Santa Clara County.
Please feel free to call me directly for more information, or you can e-mail me.
I will be happy to answer any and all questions to help you get into your Santa Clara County home.