Chris Johnson - Your California Loan Pro - NMLS #235072

Chris Johnson - Your California Loan Pro - NMLS #235072 At Affinity, our goal is to turn your dreams into reality! We specialize in FHA, VA, USDA, Jumbo, Conventional, Commercial, Reverse, Non-QM, and Bridge Loans.

With over 30 years of experience in real estate sales and mortgage loans, we can meet every real estate or financial need you may have and answer all of your questions in the process. Based in California, Chris Johnson & Affinity Mortgage are trusted mortgage brokers offering a wide range of loan solutions to help you achieve homeownership. Whether you're a first-time buyer or a seasoned investor,

we tailor our services to your needs. Serving vibrant communities like San Jose, Campbell, and Los Gatos, our team provides expert guidance and personalized service through every step of the loan process. Trust Affinity Mortgage to help you find the right loan for your goals. Contact us today and letโ€™s make your dream home a reality.

My "๐—œ ๐—ช๐—ฎ๐—ป๐—ป๐—ฎ ๐—•๐˜‚๐˜† ๐—ฎ ๐—›๐—ผ๐˜‚๐˜€๐—ฒ" Series:
06/15/2026

My "๐—œ ๐—ช๐—ฎ๐—ป๐—ป๐—ฎ ๐—•๐˜‚๐˜† ๐—ฎ ๐—›๐—ผ๐˜‚๐˜€๐—ฒ" Series:

First-time homebuyers have long been the foundation of a healthy housing market, but today, many are still struggling to...
06/14/2026

First-time homebuyers have long been the foundation of a healthy housing market, but today, many are still struggling to make the leap into homeownership. According to recent housing data, first-time buyers account for just 21% of todayโ€™s marketโ€”well below historical norms. That matters because when entry-level buyers pause, it can slow activity across the entire housing chain, from move-up buyers to sellers. While affordability challenges remain, opportunities still exist. Loan programs with lower down payments, down payment assistance, and strategic financing options are helping many buyers move forwardโ€”even in todayโ€™s market.

๐Ÿก Buying your first home is one of the biggest financial decisions you will ever make, and I want to make sure you walk ...
06/14/2026

๐Ÿก Buying your first home is one of the biggest financial decisions you will ever make, and I want to make sure you walk into it with confidence, not confusion. A lot of first-time homebuyers come to me overwhelmed by the process, unsure about down payment requirements, credit score thresholds, or which loan program actually fits their situation. That is exactly why I do what I do. Here is what I want you to know: there are mortgage programs built specifically for first-time buyers, including low down payment options, down payment assistance, FHA loans, USDA loans, and more. You do not have to have a perfect financial picture to qualify for a home loan. You just need the right guidance. If you have been sitting on the fence because homeownership feels out of reach, let's talk.

๐Ÿ’ฐ๐Ÿก Many homeowners are sitting on mortgage rates far below todayโ€™s market, and theyโ€™re not eager to give them up. Instea...
06/13/2026

๐Ÿ’ฐ๐Ÿก Many homeowners are sitting on mortgage rates far below todayโ€™s market, and theyโ€™re not eager to give them up. Instead of refinancing, more homeowners are turning to home equity loans and HELOCs to access cash for renovations, debt consolidation, or other financial goals while keeping their existing low-rate first mortgage. According to ICE Mortgage Technologyโ€™s June Mortgage Monitor, first-quarter home equity withdrawals reached their highest level since 2021, with second-lien lending hitting an 18-year high. Itโ€™s another sign that homeowners are adapting to todayโ€™s rate environment in creative ways. Curious whether tapping your home equity makes sense for your situation? Letโ€™s explore your options and what may work best for your goals.

My "I Wanna Buy a House" Series:
06/13/2026

My "I Wanna Buy a House" Series:

My "๐—œ ๐—ช๐—ฎ๐—ป๐—ป๐—ฎ ๐—•๐˜‚๐˜† ๐—” ๐—›๐—ผ๐˜‚๐˜€๐—ฒ" Series:
06/12/2026

My "๐—œ ๐—ช๐—ฎ๐—ป๐—ป๐—ฎ ๐—•๐˜‚๐˜† ๐—” ๐—›๐—ผ๐˜‚๐˜€๐—ฒ" Series:

Here's something I hear a lot from Bay Area entrepreneurs and independent contractors:"I make good money but I write eve...
06/11/2026

Here's something I hear a lot from Bay Area entrepreneurs and independent contractors:

"I make good money but I write everything off โ€” I probably can't qualify for a mortgage."

I hear it constantly. And it's almost never true.

In 2026 there are real mortgage options designed specifically for self-employed buyers:

โœ… Bank statement loans โ€” qualify using 12โ€“24 months of deposits, not your tax return
โœ… 1099 income programs โ€” for independent contractors and consultants
โœ… P&L-based loans โ€” qualify using a CPA-prepared profit and loss statement
โœ… Asset-based qualification โ€” for buyers with significant liquid assets
โœ… DSCR loans โ€” for investment property purchases based on rental income

Silicon Valley runs on entrepreneurs. The mortgage market has caught up.

I wrote a full plain-English guide this week covering every self-employed mortgage option available in the Bay Area in 2026 โ€” how each one works, what documents you need, and how to figure out which path fits your income structure.

๐Ÿ“– Read it here: https://bit.ly/4xhFS0h

If you're self-employed and have been putting off buying because of the income question โ€” let's have a 30-minute conversation. It's almost always more encouraging than you expect.

๐Ÿ“ฒ (408) 687-6109

โ€” Chris Johnson | Your CaliLoanPro | Affinity Mortgage | NMLS #235072 | Equal Housing Lender

My "๐—œ ๐—ช๐—ฎ๐—ป๐—ป๐—ฎ ๐—•๐˜‚๐˜† ๐—ฎ ๐—›๐—ผ๐—บ๐—ฒ" Series:
06/11/2026

My "๐—œ ๐—ช๐—ฎ๐—ป๐—ป๐—ฎ ๐—•๐˜‚๐˜† ๐—ฎ ๐—›๐—ผ๐—บ๐—ฒ" Series:

The "I Wanna Buy a Home" Series
06/10/2026

The "I Wanna Buy a Home" Series

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2542 S. Bascom Avenue
Campbell, CA
95008

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