Sunnyvale's Mortgage Broker
From North Sunnyvale's more attainable price points to South Sunnyvale's jumbo territory, financing built around exactly where you're buying.
Sunnyvale isn't one market — it's several. Home values swing significantly between North Sunnyvale and the neighborhoods closer to Cupertino, which means the right loan program here depends heavily on where you're looking. I've spent 30+ years arranging financing across Santa Clara County, including Sunnyvale purchases spanning both ends of that range, and matching the loan to the specific neighborhood is exactly where local experience pays off.
A market that varies block by block
The 2026 baseline conforming loan limit is $832,750, but Santa Clara County is a federally designated high-cost area, which raises the limit here to $1,249,125 for both conforming and FHA financing on a one-unit property — loans above that are what actually qualify as jumbo in this county. Sunnyvale's typical home value citywide runs around $1.8M, but that masks real variation — homes in North Sunnyvale can run closer to $1.4M, while South Sunnyvale near Cupertino often exceeds $2.3M. Most Sunnyvale purchases still require jumbo financing, but conventional and FHA options are genuinely on the table depending on the specific home and neighborhood — this isn't a market where you can assume one loan type fits every purchase.
Loan programs Sunnyvale buyers use most
Jumbo loans
The most common path for Sunnyvale purchases, especially in higher-priced neighborhoods.
Conventional loans
Viable for buyers in Sunnyvale's more moderately priced areas and condo/townhome market.
Self-employed / bank-statement loans
Common among Sunnyvale's dense concentration of tech employees and founders.
HELOC & cash-out refinance
For longtime Sunnyvale homeowners tapping built-up equity.
Fast-close / hard money options
For buyers who need certainty of close in a competitive offer situation.
Sunnyvale's Below Market Rate (BMR) Home Ownership Program
Sunnyvale runs one of the more established BMR programs in the county, governed by Municipal Code Chapter 19.67 and administered directly by the City's own Housing Division. New residential developments must include at least 15% of ownership units as BMR homes, priced well below market — recent program listings have shown restricted prices as low as roughly $491,000 for a 2-bedroom home. Priority goes to applicants who currently live or work in Sunnyvale.
The City also offers a First-Time Home Buyer (FTHB) Loan Program — additional down payment assistance specifically for buyers purchasing through the BMR program. Eligibility requires meeting HCD moderate-income limits, a preapproval letter from a qualified lender, and an 8-hour HUD-certified homebuyer education course. This is a genuinely active program worth watching if you or a family member may qualify.
Local, not corporate
I'm based in Campbell — a short drive from Sunnyvale — and I've built relationships with the appraisers, agents, and escrow officers who work this market regularly. Because Sunnyvale spans such a wide price range within one city, having a broker who understands the difference between a North Sunnyvale purchase and a South Sunnyvale purchase — not just Sunnyvale as a single number — genuinely matters here.