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Mountain View sits in one of the most expensive housing markets in the country. High purchase prices make monthly payment management critical.
Interest-only loans reduce your payment during the initial period. For high-income tech earners with variable comp, that flexibility matters.
700+
Min Credit Score
20%
Min Down Payment
5–10 years
Interest-Only Period
Non-QM
Loan Classification
12+ months
Reserves Required
Interest-Only Loans in Mountain View
These are non-QM loans. Lenders hold them to tighter credit and reserve standards than conventional financing.
Expect to need a 700+ credit score, 12+ months of reserves, and a strong income story. Down payments typically start at 20%.
Local decision guide
Use this guide to connect interest-only loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits in one of the most expensive housing markets in the country. High purchase prices make monthly payment management critical.
Interest-only loans reduce your payment during the initial period. For high-income tech earners with variable comp, that flexibility matters.
These are non-QM loans. Lenders hold them to tighter credit and reserve standards than conventional financing.
Most retail banks don't offer interest-only loans anymore. You need wholesale lenders that specialize in non-QM products.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones price interest-only loans competitively for Santa Clara County borrowers.
I see this loan most often with RSU-heavy buyers. They want lower payments now while they wait for vesting schedules to catch up.
The risk is real though. After the interest-only period ends, your payment jumps. Make sure you have a plan before that clock runs out.
A jumbo ARM gives you a lower rate upfront and still builds equity. Interest-only gives you the lowest possible payment — but zero principal paydown.
DSCR loans serve investors differently. If this is a rental, DSCR pricing may beat interest-only depending on the property's cash flow.
Mountain View's tech concentration means borrower profiles here lean heavily toward RSUs, bonuses, and self-employment income. Interest-only underwriting handles that well.
Santa Clara County purchase prices push many loans into jumbo territory. Interest-only jumbo products are a real niche — and not every lender does them well.
Typically 5 to 10 years. After that, the loan recasts and you pay principal plus interest on the remaining balance.
No. You pay interest only, so the principal stays flat. You build no equity unless the property appreciates.
Yes, many non-QM lenders accept RSU and bonus income. Documentation requirements vary by lender.
Yes. Many investors in Mountain View use IO loans to maximize cash flow during the hold period.
Most non-QM lenders want 700 or higher. Some go to 680 with compensating factors like large reserves.
These loans aren't at retail banks. A broker with non-QM wholesale access finds better pricing and more flexible guidelines.