Buyers Info

Welcome to Realtheon, a professional real estate & mortgage service broker in San Jose, Silicon Valley, Santa Clara County, California ***** We closed over 200 transactions during the last 10 years *****

We have many Home Loan Programs.
For buyers who have limited down payment, you could use the 3% down and borrow 97% loan program. Click on this gold link to see 3% down program:
For buyers who want to buy expensive, high value properties, you may want to use our 5% Down, Jumbo Home Loan Programs. Minimum FICO score is 720.
Ask us about this 
Some 3% Down Examples
Assume 4% Interest Rate 
- For a $250K home, you put down $7.5K, borrow 97% of the purchase price or $242.5K.
(Monthly PITI payments is about $1.2K. This requires $2.8K income a month.)
- For a $375K home, you put down $11.1K, borrow 97% of the purchase price or $363.75K.
(Monthly PITI payments is about $1.7K. This requires $4K income a month.)
- For a $499K home, you put down $15K, borrow 97% of the purchase price or $484.3K.
(Monthly PITI payments is about $2.3K. This requires $5.4K income a month.)
When you Buy a home with Financing, you need to have a Loan Pre-Approval Letter from a strong lender. You can fill out a Loan Application and run a Credit Report to see if you qualify for the Letter.
Fill out your Loan Application online securely here: 


Pay $30 ($35 for a couple) to run your Credit Report here: 5aMortgage.CreditReport.Smartpay
* 50% Commission Rebate *
If you buy an Open House Home (without me showing you any home) or a New Home through me,
I will credit 50% of my Commission to you.
To get my 50% commission rebate for a New Home, you need to bring me to the New Home Sales Office first.
For a re-sale home, I will do a CMA, Comparative Market Analysis and show you Current Market Value of the Home, negotiate the price & terms and write an offer for you.


San Jose’s Housing Market 

Who are we at Realtheon and why select us
Click Home-Buyer-Commission-Rebate to see commission sharings. 
General Info
Click Home Buyer's General Info for general buyer's information.
How Much Home Can I Afford ? to see what you can afford.
Click Home Buying Info US HUD info from the US. Dept. of Housing and Urban Development.
Advisory for Home Buyers
Click Market Conditions Advisory for general market conditions advisory.
Click Statewide Buyer and Seller Advisory for California statewide advisory.
Click Probate Advisory for California probate home sale advisory.
Click REO Advisory for real estate owned, or bank owned home sale advisory.
Click Short Sale Information and Advisory short sale information and advisory.
Click Home Inspection Advisory for home buyer's inspection advisory.
For Townhouses, Condominiums:
Click HOA Information Request to request homeowner-association-information.

Tips for Home Buyers
Click Home Buyer's Tips for basic tips on a home buying process.

Local Info
Click School & Community Information to see local school & community information.
Click My Neighbors to enter a home address and see its neighbors.
Click San Jose Crime Stats to see San Jose crime statistics and maps.
Click CalTrain to see CalTrain (San Francisco, San Mateo and Santa Clara counties) transporttion information.
Click Santa Clara Valley Transportation to see Santa Clara Valley transportation information.

Click Local Market Update to find out the current San Jose real estate market. (You may want to change to a city name different from San Jose). 

Call/Text 408-835-8811 for more information. Or

MY DREAM HOME to tell us about Your Dreamed Home.
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Realtheon / 5A Mortgage
167 N. White Rd. • San Jose, CA 95127
Tel +1.408.923.8951 • Cel +1.408.835.8811
DRE # 01356627. NMLS # 445911, 451705

San Jose, Silicon ValleyMilpitasCampbell, Cupertino

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