Question 1

What's the 2026 conforming loan limit in Sunnyvale?

Accepted Answer

The limit is $1,149,825 for Santa Clara County. Loans above that amount require jumbo financing with different qualification standards.

Question 2

Can I use stock compensation to qualify for a conforming loan?

Accepted Answer

Yes, but it needs to be vested and deposited in your account. Lenders average two years of stock income to calculate qualifying amounts.

Question 3

How much down payment do I need in Sunnyvale?

Accepted Answer

First-time buyers can put down 3% with strong credit. Put down 20% to avoid PMI and access the best rates available.

Question 4

Do conforming loans cost less than jumbo in Sunnyvale?

Accepted Answer

Yes, conforming rates typically run 0.25-0.5% lower. If your price is close to the limit, structure your down payment to stay conforming.

Question 5

What credit score gets the best conforming rates?

Accepted Answer

You need 740 or higher for top-tier pricing. Scores between 680-739 work but carry rate adjustments that increase your monthly payment.

Conforming Loans in Sunnyvale: Qualify for Competitive Rates in Silicon Valley