Question 1

Can I buy a Sunnyvale home on an H-1B visa?

Accepted Answer

Yes, but conventional loans often work better for visa holders with U.S. income. Foreign national loans shine when you live abroad or lack U.S. credit history.

Question 2

Do I need a U.S. bank account?

Accepted Answer

No. Lenders accept foreign bank statements for down payment and reserves. You'll open a U.S. account at closing to receive rental income.

Question 3

What's the rate premium over conventional loans?

Accepted Answer

Expect 1.5-2.5% higher than conventional rates as of February 2026. Larger down payments narrow that gap.

Question 4

Can I use crypto assets as reserves?

Accepted Answer

Select lenders now verify cryptocurrency holdings for qualification. This works well for tech investors with significant digital asset portfolios.

Question 5

How long does Sunnyvale foreign national approval take?

Accepted Answer

Plan 45-60 days. International document verification adds two weeks compared to standard loans.

Foreign National Loans in Sunnyvale: Finance Bay Area Real Estate Without U.S. Citizenship