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New American Funding Branch

San Jose

55 South Market Street, Suite 1600
San Jose, CA 95113

Your San Francisco Bay Area Mortgage Team

The New American Funding San Jose branch is proud to serve the home mortgage needs of the Greater San Francisco Bay Area.

As a Fannie Mae, Freddie Mac and Ginnie Mae Direct Seller/Servicer we’re able to offer our clients and real estate partners a variety of home loan options, from FHA, to VA to Conventional and Jumbo loans, as well as niche home loan programs.

Whether looking to refinance, or buy a home in the Greater San Francisco Bay Area, we’re happy to provide top-notch customer service, a 14 Business-Day Close home purchases, and a smooth and easy home loan process.

Get Started Today!

  • By clicking "Get a Quote" I agree by electronic signature to: 1) Receive disclosures and communications about my loan inquiry in electronic form (I confirm that I have a working computer system and internet website browser to view this webpage); 2) Be contacted about a mortgage by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer (consent to be contacted is not a condition to purchase services) and to be contacted via email; I consent to be contacted even if my phone number or email address appears on a New American Funding Do Not Call / Do Not Email List, a State or National Do Not Call Registry, or any other Do Not Contact List.

    Our Privacy Policy, Terms of Use, and Electronic Consent Agreement.

Zillow review of

Eric Garnicki

hartleydev says: Before going with Eric I went with A major bank expecting to get the best deal and fast closing since my current loan was with them. Boy was I wrong they were making me jump through hoops and loops and eventually told me they might not be able to get my refinance done. I contacted Eric and explained my situation and within a week he had my loan approval in hand. The best part was that the rate was much lower than what The major bank was trying to approve me for. I would definitely recommend Eric to my friends and family. Now when people ask me if I know a great mortgage person he is my go to guy!

Zillow review of

Lurinda Dowell

taralicht says: Absolutely outstanding agent. She is always very quick to respond to an email/text/call (which is almost unheard of in this industry). She will never leave you hanging with an unanswered question. If she doesn't already know it, she will go out of her way to hunt down the answer for you. On top of that, she got us an amazing rate at the perfect time. Shes very personable, very sweet, and most importantly not afraid to push the people that need to be pushed in order to get things done on time. I felt like she really cared about my loan, not just getting my business. On top of that, she stayed in touch and follows up with us every so often. I can't say enough good things about this woman.

Zillow review of

Eric Garnicki

johnnysacil says: Eric was referred to us by a mutual friend. I'll be honest at first we were skeptical since we knew we had a tough loan to get approved. Eric was a magician, our minds were blown. Using his resources he was able to do what a couple other loan guys said was impossible and at a higher loan amount. Eric had to leave town during the process and left us with his assistant and other team mates and it was like he never left, communications through email and phone calls to explain each step of the process were a huge plus, that and texting him with different loan questions after hours and actually getting replies. I wish him and his team all the success and referrals in the world.

Social Survey review of

Lurinda Dowell

Shawn W. says: Lurinda handles all of my families loan needs. Working with her is wonderful. She is always on top of things and available to answer questions.

Social Survey review of

Teo Valencia

Christopher V says: Teo and his team delivered on time with a great experience. I would do business with him again, and recommend him to a friend. Thank you Teo for all your hard work. Regards, Chris Vollmer