Welcome to Fitnete Kraja's Mortgage Brokerage

We are a full-service mortgage company based in the San Francisco Bay Area specializing in Conventional, Jumbo, FHA, VA, Private Money, Reverse Mortgages, and USDA Loans in Palo Alto, San Jose, Los Gatos, Santa Clara, Burlingame, San Mateo and all throughout the State of California.

Why Choose Us?

  • Wide Range of Loan Programs

    From FHA, VA, USDA, and HomePath to Jumbo, Conventional, Reverse Mortgages, Private Money Loans, and Equity Lines, we offer one of the most comprehensive selections of mortgage solutions to meet every borrower’s needs.

  • Competitive Rates & Flexible Options

    Through strong lender relationships and deep market insight, we’re able to offer highly competitive rates, flexible terms, and creative financing solutions.

  • Personalized Loan Strategies

    We don’t believe in one-size-fits-all lending. Every borrower has unique goals, and we tailor each loan to fit your financial situation and long-term objectives.

Fitnete Kraja

Conventional Loans

Used for its flexibility of Debt Ratios, Mortgage Insurance, and Down Payment.

  • Minimum 620 FICO

  • 50% Maximum DTI

  • 30 Year Fixed

Jumbo Loans

Jumbo mortgage used if your loan amount is greater than $417,000.

  • Credit: 700+ FICO

  • Max Debt-To-Income (DTI) Ratio of 43%

  • Minimum Loan Amount is 1$

FHA Loan

Transactions: Purchase, Refinance Rate & Term, or Refinance Cash-Out

  • Credit as low as 620

  • UP TO 95% LTV REFINANCE OR CASH-OUT

  • Purchase with a 3.5% down payment

Private Money

Private money Loans refer to the money being lent by a private party or institution.

  • Up To 80% LTV

  • PROPERTY TYPES: SFR/1-4/5+/CONDOS

  • LOAN AMOUNTS: $100K - $5MM

Start Your Mortgage Process Today

If you’re ready to get started, Kraja Mortgage is here to help. Whether you're purchasing, refinancing or seeking cash-out, we have flexible funding tailored to your goals. Apply today or contact us to learn more about our loan programs.