advice on modeling schema to have better access to foreign entity
The following schema may be better to match your requirement.

{
    name: String,
    username: String,
    address: {
        street: String,
        city: String,
        state: String,
        zip: String,
    }
}


Try to avoid having multiple collections like a relational database. Joining is a costly operation in NoSQL databases.

References:

6 Rules of Thumb for MongoDB Schema Design: Part 1

6 Rules of Thumb for MongoDB Schema Design: Part 2

6 Rules of Thumb for MongoDB Schema Design: Part 3