Government
VA Purchase 100% Financing in Portola Valley, CA
Portola Valley, CA is a smaller community of 4,305 people in San Mateo County, where Custom Mortgage arranges VA Purchase 100% Financing financing. Portola Valley homes carry a premium: the median owner-occupied value is $2,000,001, 28% over San Mateo County's $1,559,600 (Census ACS 2020-2024 5-year). That is $750,876 over the 2026 one-unit conforming limit of $1,249,125, so keeping a median-priced purchase conforming takes at least 38 percent down, and a bigger loan is a jumbo.
Portola Valley households out-earn the county: a median $250,001, 57% above the San Mateo County level. It is an owner's market in tenure terms, with 79% of homes owner-occupied (58% countywide). The median home was built in 1966. Renters in Portola Valley pay a median $3,501 a month in gross rent.
VA Purchase 100% Financing Highlights
- 100% Financing: Purchase a home with no down payment required.
- Competitive Interest Rates: Potentially secure a loan with competitive rates.
- No Private Mortgage Insurance (PMI): Save money each month without the added cost of PMI.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
San Mateo County at a glance
- Portola Valley median home value
- $2,000,001
- Source: Census ACS 5-year, Portola Valley town, California, 2020-2024
- Portola Valley median household income
- $250,001
- Source: Census ACS 5-year, Portola Valley town, California, 2020-2024
- Portola Valley owner-occupied homes
- 79%
- Source: Census ACS 5-year, Portola Valley town, California, 2020-2024
- Portola Valley median year built
- 1966
- Source: Census ACS 5-year, Portola Valley town, California, 2020-2024
- Conforming loan limit (1 unit)
- $1,249,125
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $2,402,625
- Source: FHFA, 2026
- Above the national baseline by
- $416,375
- Source: FHFA, 2026
- Median owner-occupied home value
- $1,559,600
- Source: Census ACS 5-year, 2024
- Median household income
- $158,855
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 58%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 9.8
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: SAN MATEO
SAN MATEO, CA is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$1,249,125
2-Unit (Duplex)
$1,599,375
3-Unit (Triplex)
$1,933,200
4-Unit (Fourplex)
$2,402,625
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
VA Purchase 100% Financing in Portola Valley, CA
Premium mortgage lending services in Portola Valley, CA. We specialize in jumbo loans, conventional financing, and custom programs for high-net-worth borrowers.Custom Mortgage & Real Estate specializes in providing high-fidelity VA Purchase 100% Financing solutions tailored to the unique economic landscape of Portola Valley and the surrounding San Mateo County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entirePortola Valley metropolitan area.
Service Areas & Neighborhoods
Our Portola Valley Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About VA Purchase 100% Financing in Portola Valley
No. At $2,000,001, the Portola Valley median is $750,876 above the $1,249,125 FHFA limit for San Mateo County. Borrowing more than $1,249,125 makes the loan a jumbo; staying conforming means putting at least $750,876 down.
At least $70,000 before closing costs (96.5% maximum LTV on $2,000,001). Roughly 3 months of Portola Valley's $250,001 median income.
8.0 times the $250,001 median household income, easier than the county's 9.8. Expect to need extra down payment or a co-borrower.
See all VA Purchase 100% Financing questions and program details
VA Purchase 100% Financing by Location
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