Mortgage broker serving Sunnyvale, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Sunnyvale buyers, we match your unique situation to the right program.
Financing in Sunnyvale's premium market demands lenders experienced with jumbo loans above $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Sunnyvale purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Sunnyvale home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Sunnyvale starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Sunnyvale home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Sunnyvale property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Sunnyvale homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Sunnyvale home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Sunnyvale prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Sunnyvale.
Self-employed? Sunnyvale bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Sunnyvale properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Sunnyvale buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Sunnyvale buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Sunnyvale moves. Purchase before your current home sells.
Entity financing for Sunnyvale investors. Purchase in LLC for asset protection.
Sunnyvale loans under $1.25M get conforming refinance rates. Best rates available.
Access Sunnyvale home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Sunnyvale homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Sunnyvale veterans. Lower your rate without appraisal or income docs.
Sunnyvale home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Sunnyvale homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Sunnyvale can use DSCR financing. Rental income qualifies the loan.
Sunnyvale rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Sunnyvale apartment buildings. Commercial rates for larger properties.
Hard money financing for Sunnyvale commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Sunnyvale buyers with qualifying income.
CalHFA programs can help Sunnyvale first-time buyers. Check income limits for eligibility.
Sunnyvale family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Sunnyvale. Family member income helps qualification.
Check Sunnyvale city programs for additional DPA. May stack with CalHFA for more help.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Sunnyvale sits right in the middle of Silicon Valley, smack between San Jose and Palo Alto. Population is 154,573, median household income $174,506. The homeownership rate here is 44.4%, which tells you something important: most people rent because buying takes serious income. At $1.7M median home price, you're looking at needing around $340K down for a conventional loan and qualifying income north of $400K annually. This isn't a starter market unless you're pulling Big Tech compensation packages.
If you're buying with kids and can afford the entry price, the schools justify the investment. Cumberland Elementary scores a 9, Homestead High pulls a 9, Sunnyvale Middle and Fremont High both rate 8. These ratings directly affect your resale value when you sell in 10 years. Families who buy here tend to stay through high school graduation, which means you're competing with buyers who view the $1.7M price tag as an investment in education plus real estate. The school quality is baked into these prices. You can find cheaper homes in San Jose with lower-rated schools, but you'll pay a premium here specifically because of the district.
Where you buy in Sunnyvale determines whether you're doing conventional, jumbo, or creative financing. Downtown Sunnyvale runs $2.0M-$2.5M for walkable access to Murphy Avenue and Caltrain, definitely jumbo territory requiring 20% down on $2M minimum. Cherry Chase offers single-family homes at $1.5M-$2.2M, popular with families who can swing the conventional jumbo threshold or go full jumbo depending on the property. Lakewood sits at $1.4M-$2.0M with mid-century homes on bigger lots, often attracting buyers who'll renovate and refinance later. Fairwood runs $1.6M-$2.3M with ranch-style homes near top employers, and you're seeing tech workers use RSU vesting schedules to time their down payments here. The loan structure matters because you're not getting FHA or VA approval at these price points.
The commute situation here is what keeps prices this high. You're 23 minutes to San Jose, 19 minutes to Palo Alto, 51 minutes to San Francisco or Oakland. That Palo Alto proximity means you can work at Stanford or Sand Hill Road firms and actually get home for dinner. Downtown Sunnyvale has Caltrain access, which matters if you're commuting to SF and want to skip the drive. Lawrence Expressway and Highway 101 access from most neighborhoods gets you to Google, Apple, LinkedIn, or any other major employer in under 20 minutes. When you're paying $1.7M for a house, that commute time directly affects your quality of life and justifies the premium over cheaper markets an hour south.
Here's the thing about Sunnyvale: the job market is why these prices exist. Google, Apple, LinkedIn, Juniper Networks, NetApp, and Lockheed Martin all have major operations here or within 15 minutes. The median household income of $174K reflects dual-income tech couples or single earners with senior engineer or management comp packages. Most buyers here work in tech, period. If you're getting RSUs as part of your compensation, lenders can count vested shares toward your down payment and sometimes toward qualifying income. The job stability in this market is better than most of the country, which is why appreciation has been steady even through downturns. You're betting on Silicon Valley's continued dominance when you buy here.
Common questions from Sunnyvale homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Sunnyvale closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Sunnyvale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Sunnyvale buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Sunnyvale buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Sunnyvale buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Sunnyvale families purchase with minimal upfront cash.
2026 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Sunnyvale properties fall within conforming limits, maximizing your financing options.
For Sunnyvale's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Sunnyvale. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Sunnyvale. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Sunnyvale. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Sunnyvale typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Sunnyvale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Sunnyvale buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Sunnyvale. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Sunnyvale typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Sunnyvale closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Sunnyvale properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Sunnyvale buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Sunnyvale buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Sunnyvale families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Sunnyvale. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Sunnyvale. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Sunnyvale's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Sunnyvale is $1,250,000 for 2025. This covers many condos and townhomes in the area, though you'll need a jumbo loan for most single. family homes since the median price is around $1.7M. FHA loans require just 3.5% down with a credit score of 580 or higher.
You'll likely need a jumbo loan in Sunnyvale since most homes are priced between $1.25M and $2M, which exceeds the $1.25M conforming loan limit. If you're buying below $1.25M, you can use a high. balance conforming loan with better rates and lower down payment options. Jumbo loans typically require 10. 20% down and stronger credit profiles.
For 2025, Santa Clara County's conforming loan limit is $1,250,000 for single. family homes, with FHA and VA limits also at $1,250,000. The 2026 limits haven't been announced yet but are typically released in November 2025. Given Sunnyvale's median home price of $1.7M, many buyers here use jumbo financing regardless of the conforming limit.
Yes, VA loans are available in Sunnyvale with a loan limit of $1,250,000 and no down payment required for eligible veterans. This works well for condos and lower. priced homes, but you'll need a jumbo VA loan for properties above $1.25M. VA loans offer competitive rates and don't require mortgage insurance, making them an excellent option for qualifying buyers.
Our No Money Down program offers $0 down payment for qualified buyers, which can be a great option even in Sunnyvale's premium market. CalHFA programs provide down payment and closing cost assistance with income limits that may work for lower. priced properties under $1M. Given the area's high prices and typical dual. income professional buyers, most purchasers here use conventional financing with their own funds.
For Sunnyvale's typical $1.7M home price, you'll need $170,000 to $340,000 down (10. 20%) if using a jumbo loan. Conventional loans under $1.25M can go as low as 3. 5% down, though you'll pay PMI below 20%. Many dual. income professionals in the area put down 15. 20% to secure better rates and avoid jumbo loan requirements when possible.
You'll typically need a credit score of at least 620 for conventional loans in Sunnyvale, though 680. 700+ is preferred for jumbo loans on higher. priced properties. FHA loans accept scores as low as 580 with 3.5% down. Given the competitive market and premium prices, most successful buyers here have scores above 720 to qualify for the best rates.
Look for a lender experienced with Sunnyvale's premium market and jumbo loan expertise, since most homes here exceed conforming limits. Compare rates, fees, and closing timelines from at least three lenders, and ask about their experience with properties in the $1.25M. $2M range. A local lender familiar with Santa Clara County can navigate appraisals and competitive offers more smoothly in this fast. moving market.
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