Silicon Valley core — FAANG headquarters. Median H1B salary $185K. California tax at 9.3%+ but RSUs make it worth it for most.
Why San Jose H1B holders need a different mortgages strategy
Silicon Valley core — FAANG headquarters. Median H1B salary $185K. California tax at 9.3%+ but RSUs make it worth it for most.
Buying a home in San Jose on H1B is possible — here are the lenders who work best with visa holders and understand H1B income documentation.
Top 5 Mortgage Lenders for H1B in San Jose (2026)
- Better Mortgage — Fully online, H1B-friendly, competitive rates. Best for San Jose tech workers who want a smooth digital process.
- HSBC US — Specializes in non-citizen mortgages — best for H1B holders without 2 full years of US credit history.
- Bank of America — Affordable Loan Solution program — 3% down for eligible H1B first-time buyers. Good branch support.
- Rocket Mortgage — Largest US lender. Fast pre-approval, H1B experience. Good for straightforward W-2 income H1Bs.
- SoFi Home Loans — No PMI option for 10% down. Good for tech-sector H1Bs with high income but shorter US credit history.
H1B mortgages strategy in San Jose
Transfer money internationally with real mid-market rates and low fees. Trusted by 16M+ customers.
Send Money with Wise →
The key difference for San Jose H1B holders: California state income tax means your after-tax income is lower — maximize cash back on everyday spending.
San Jose cost of living context
Silicon Valley core — FAANG headquarters. Median H1B salary $185K. California tax at 9.3%+ but RSUs make it worth it for most. Understanding local costs helps you choose the right financial products for your specific situation.
Download the H1B Credit Card Decision Tree PDF →
Best credit cards for H1B (general guide) →
📥 Get the Free H1B Credit Card Guide
5-page free PDF — which card to apply for based on your month-in-US, visa, and credit score.
🔒 Free 5-page PDF. No spam. Unsubscribe anytime.