Looking to learn more about USDA loans in Arizona or Utah? Explore the various possibilities of a USDA loan by
completing the form below. We’ll show you what’s possible!
Eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing,
and it’s a program that we offer our clients here at Sun American Mortgage.
LET’S GO USDA!
Considering the unique benefits of the USDA mortgage loans in Arizona or Utah? You might be thinking it’s only available to first-time home buyers. But the fact is, all families within the 115% of the median income for their area, are eligible for the benefits – even if they have owned a home in the past. This also includes those who currently own a home that is not in the local commuting area. Pretty amazing if you ask us. Let’s get started!
If you’ve never heard of the USDA loan program, you’re not alone. It’s a niche product serving a fraction of the U.S. housing market, and most banks don’t offer them. However, eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing, and it’s a program that we offer our clients here at Sun American Mortgage.
USDA loans are intended for moderate-income families, those having annual household income at or below 115% of the median income for the area. USDA loans are insured by the U.S. Department of Agriculture and the program’s biggest feature is its option for “no money down” financing. Via the USDA you can finance 100% of a home’s purchase price, while having access to better-than-average mortgage rates. Click Here to check your income eligibility.
Key USDA Loan Points
What is a USDA Loan?
It's a niche product serving a fraction of the U.S. housing market (and most banks don't offer them...but we do!) Eligible suburban and rural home buyers can use it for 100%, no-money down mortgage financing! If you're in Arizona or Utah, don't hesitate to reach out to us!
No Money Down
Yes, you read that right! 100% financing. Today, you don't need a large down payment (or any depending on the loan option) to own a home. It's the program's biggest features! Be sure to check your income eligibility by getting in touch with one of our experienced loan officers today in Arizona or Utah. Learn more here
Property Types
The desired property must be located in an eligible rural area. Not sure if the home you want is eligible for this type of home loan? Don't worry! All you need to do is contact one of our loan officers and they can check your eligibility today!
Flexibility
The USDA home loan offers flexible credit requirements, no money down which means 100% financing, and even your loan costs can be financed. Ready for more? Seller contributions are allowed and no mortgage payment reserve requirements!
Not many mortgage professionals are CPA’s. I bring that extra level of financial expertise to each transaction to ensure you and your family is making the best decision to meet your goals. ????
You Won't Believe the Possibilities
Discover your Arizona and Utah home owning possibilities by getting connected with us today!
Department of Agriculture and the program’s biggest feature is its option for “no money down” financing. Via the USDA you can finance 100% of a home’s purchase price, while having access to better-than-average mortgage rates.
The USDA Rural Housing program is a federal program designed to help certain lower population towns and counties grow by giving home buyers a better deal, better terms, and more options when they buy or refinance a home.
This program is $0 down, features low monthly mortgage insurance, low USDA closing costs and has flexible qualification guidelines.
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POSSIBLE!
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July 12
AZ Jumbo Loans | Jumbo Mortgage Loans Utah | Sun American
Explore the possibilities of a jumbo loan by compl [...]
completing the form below. We’ll show you what’s possible!
Get A Free Cost Analysis
Can you say “LUXURY!” Are you ready to upgrade and finally get into the home of your dreams? Or maybe you’ve outgrown your current single family residence and now it’s time to build or find an existing luxury home you’ve always wanted.
READY FOR A JUMBO LOAN?
Can you say “LUXURY!” Are you ready to upgrade and finally get into the home of your dreams? Or maybe you’ve outgrown your current single family residence and now it’s time to build or find an existing luxury home you’ve always wanted. Regardless of your situation, Jumbo loans are designed for higher priced mortgage loans…and we know Jumbo! Let’s get started!
A Jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders. The limit is $417,000 in most parts of the United States, but is $625,500 in the highest-cost areas and in-between in others.
Generally the qualifying factors are the same as a conventional loan. However, the down payment and credit worthiness requirements are less flexible, as the risk is greater with larger loan amounts.
Key Jumbo Loan Points
What is a Jumbo Loan?
A Jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders.
How are Jumbo Loans Different?
A Jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders. The limit is $417,000 in most parts of the United States, but is $625,000 in the highest-cost areas and in-between in others.
the good stuff about jumbo loans!
Allows you to purchase a higher priced home. You can tell your friends you have a jumbo loan. You don't have to take out two or more loans, it's a one loan mortgage. You can choose from a fixed or AR. You'll now have room for the Mother in law (yay!)
I have a strong passion to help people realize the value of homeownership through a purchase or refinance. Let’s connect today and see what’s possible! ????
You Won't Believe the Possibilities
Discover your home owning possibilities today by getting connected with us today!
The general rule of thumb is that a loan is jumbo if it is over $484,350 for single family home. More specifically, however, a loan is jumbo if it is above the limit backed by Fannie Mae and Freddie Mac in your geographic area.
With these large loan amounts, qualifying standards can be a bit more stringent, usually higher credit scores and down payments are required. But we are here to come up with creative financing options to help you get your dream home!
Possibilities realized
You’ve worked hard, scrimped, and saved. You deserve to buy your dream home. A jumbo loan can make that happen.
Homes made possible
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July 12
Arizona FHA Loans | Affordable Mortgage Loans Utah | Sun American
FHA loans can help you get a house with only 3.5% [...]
Explore the possibilities of an FHA loan by completing the form
below. We’ll show you what’s possible!
Get A Free Cost Analysis
FHA is the largest insurer of residential mortgages in the world. The FHA loan
allows buyers to purchase as little as 3.5% down.
LET’S GO FHA!
If you don’t think you can get financing because of your credit, or you just don’t have a lot money to put down…think again! The Federal Housing Administration (FHA) insures mortgages that fit these types of scenarios, so that Sun American Mortgage can offer you an FHA loan that will meet your needs. With flexible qualification guidelines, these FHA loans are particularly designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down. So let’s get started with an FHA loan!
An FHA loan is a home loan that is insured by the FHA. In other words, there’s a guarantee that if you fail to repay the mortgage, FHA insures the lender that a portion of that debt will be paid. This is the reason you are required to pay a Mortgage Insurance Premium (MIP) in your loan.
Disclosure: This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).
Key FHA Loan Points
What is an FHA Loan?
If you don't think you can get financing because of your credit, or you just don't have a lot of money to put down...think again! The Federal Housing Administration (FHA) insures mortgages that fit these types of scenarios so that we can offer you an FHA loan that will meet your needs. With flexible qualification guidelines, these loans are particularly designed to benefit first-time homebuyers and buyers who don't have perfect credit or a lot of money to put down.
Is an FHA Loan right for me?
An FHA loan is a home loan that is insured by the FHA. In other words, there's a guarantee that if you fail to repay the mortgage, FHA insures the lender that a portion of that debt will be paid. This is the reason you are required to pay a Mortgage Insurance Premium in your loan.
Benefits of an FHA Loan
Low down payment as low as 3.5%. Gifts and seller contributions allowed. Easier qualifying guidelines. The FHA loan is assumable, meaning someone can take over the loan for you.
Not many mortgage professionals are CPA’s. I bring that extra level of financial expertise to each transaction to ensure you and your family is making the best decision to meet your goals. ????
You Won't Believe the Possibilities
Discover your home owning possibilities today by getting connected with us today!
An FHA loan is excellent for someone who has less money to put down, and someone who has higher debt-to-income ratios, or someone whose credit is less than perfect.
FHA is the largest insurer of residential mortgages in the world. The FHA loan allows buyers to purchase as little as 3.5% down.
With flexible qualification guidelines, these FHA loans are particularly designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.
Homes made possible
Fill in your details and I’ll get you a free mortgage payment quote!
We’d love to hear from you!
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WHAT'S
POSSIBLE!
Fill in the form below and let’s connect to discuss what’s possible for you!
July 12
Best Mortgage Lenders in AZ & Utah | Refinancing Experts | Testimonials
Read reviews from home buyers about our mortgage s [...]
Very helpful and knowledgeable along each step in the process. Derek Hargrove specifically was great to work with. This is the 2nd time I’ve used Sun American and would recommend them to everyone!
Rex at Sun American was fantastic and went way above the normal service to help with a very complex deal. I can't say enough about the entire team that helped me. This was the best experience I have ever had.
Jon DesJardins is the man! Smooth process and every question I had was answered in minutes if not seconds.
Excellent customer service! I recommend Sun American Mortgage to anybody from first home buyers to experienced home homebuyers!
Craig Schnyder was our loan officer when we first bought our home and again to refinance. Always a pleasure working with him. He makes the process so easy! Honest, reliable and quick to respond to any questions we had. Thank you again Craig! ~Valerie & Jorge Arenas
Sun American Mortgage made my home buying process easy and fast. Derek and his team walked me through the entire process and explained everything in detail. I also work alot so the worked around my schedule to make sure documents were completed in a timely manner. I highly recomend Sun Armerican to anyone looking to purchase a home, they went...
Fill in your details and I’ll get you a free mortgage payment quote!
Discover your saving possibilities with our simple and user-friendly Refinance Mortgage Calculator.
This allows you to quickly calculate how much you can save on your mortgage by refinancing your mortgage.
Understand The Mortgage Payment +
Welcome to the best online refinancemortgage calculator. With this house payment calculator, you’ll be able to easily know how much house you can afford. One of the most important things when seeking a new home, is to really know what your mortgage payment will be, as well as how much home you can afford.
Sun American Mortgage Company is dedicated to helping you navigate your way through this mortgage loan process. We are dedicated to seeing all of our clients succeed. With our in-house processing, underwriting and funding, you’ll feel like we are family!
Need a full pre-qualification?
Click the button below and one of our expert loan officers will contact you and go over your personal scenario. Our pre-qualification process is so easy, and in a matter of minuets, you’ll know for sure what you qualify for and what your actual mortgage payment will be. CLICK HERE!
Mortgage Payment Overview
For most people, a home mortgage is probably the biggest loan they have and represents one of life’s largest commitments. Mortgage lending has been a staple of the housing market and a pillar supporting The American Dream. Yet, it can be an overwhelming and confusing process for many homebuyers.
This guide was created to help you through the basics of mortgages, and home financing. The idea is to give you the foundation to understand how the process works, what factors matter, common pitfalls, and useful resources.
P.I.T.I.: Principal, Interest, Taxes, and Insurance
Let’s start with the common components of a mortgage payment. In most cases, your payment will include some combination of the items described below, but variations do occur.
You may see P.I.T.I. commonly referenced as you begin to learn about mortgage payments. P.I.T.I stands for principal, interest, taxes, and insurance.
So what goes into your mortgage payment?
Mortgage Payment = Principal (amortized) + Interest (amortized) + Real Estate Taxes (pro-rated) + Private Mortgage Insurance (pro-rated)
Principally speaking…
Principal is the actual amount you borrowed from the lender, and the part of the mortgage you probably care about most. Every time you make a payment, your principal balance decreases, and your home equity – the value of the home in excess of the mortgage obligation – increases.
Calculate your starting principal balance
Principal Balance = Purchase Price + Fee’s Rolled Into Mortgage – Down Payment
Still interested?
Interest is the other big chunk of your payment. Interest is accrued annually, as in Annual Percentage Rate, regardless of whether you have a fixed rate mortgage or an ARM. To figure out how much of your monthly payment is going toward interest, all you need to do is:
Calculate how much of your payment goes to interest
Interest Portion = Current Principal Balance × (APR ÷ 12)
You’ll notice that, when you are just starting out, the majority of your mortgage payment goes to interest. But every month you pay down a little bit of principal as well. So when you calculate your payment the next month, you’ll notice a little bit less went to interest and a little bit more to principal.
Example – monthly mortgage payments
This example is for a fixed-rate, 30 year term, at 5% APR, with $200,000 Principal Balance, and a $1,073.64 monthly payment. (We’ll get to figure out your monthly payment a little later)
First Month:
$833.34 = $200,000 × (.05 ÷ 12)
Second Month:
$240.30 went to principal from the first month’s payment ($1,073.64 – $833.34 = $240.30) so…
$832.34 = $199,759.70 × (.05 ÷ 12)
And, if you paid down an extra $100 of principal in addition to your first month’s payment?
$831.92 = $199,659.70 × (.05 ÷ 12)
Doesn’t seem like much of a difference, but do that every month and you’ll shave more than 5 years off your repayment term and more than $30,000 in interest payments over the life of the loan!
This is basically how an amortization schedule works. Since the lender is mostly concerned with collecting interest in return for taking a risk on your loan, they balance the payments in a way that favors interest repayment in the initial years. It also helps stabilize the payments over the entire repayment term, ensuring that your monthly payment remains constant throughout.
Other factors can influence the balance of interest to principal in your payment, such as: changes to your interest rate (in the case of an ARM), re-financing, and lump sum payments toward principal.
Often times, mortgage payments include additional fees. Fees associated with the legal obligations of owning a home, like taxes and insurance, are generally wrapped into your monthly payment.
Private mortgage insurance (PMI) is necessary until you have paid down a sufficient amount of principal to own at least 20 percent of the equity in your home (percentage may vary depending on specific circumstances), or if you’re considered a credit risk. This protects the lender against default.
To ensure you keep the real estate taxes and PMI current, lenders typically set up an escrow account. The portion of your monthly mortgage payment associated with taxes and insurance will be held in escrow until it’s due, sometimes once a year such as with real estate taxes.
For instance, you may pay 1/12th of your total estimated real estate taxes each month as a part of your mortgage. This guarantees that when your payment is due, you have the money available.
*Note: PMI is generally calculated as a percentage of your principal balance. Sometimes it’s a flat fee. Individual experience may vary.
Your monthly Real Estate Tax escrow contribution
RE Tax Monthly Escrow = (Tax Assessed Value of Your Home* × Local RE Tax Rate) ÷ 12
*The tax-assessed value of your home may be different from the appraised value of your home. Property listings on HomeFinder.com usually include “Public Facts” that feature both the tax amount and tax-assessed value of the property.
Once you’ve paid down a certain percentage of your principal, lenders will generally let you begin paying taxes and insurance directly. Real estate taxes can fluctuate, especially in gentrifying areas, so you’ll probably want to set aside a portion of the payment monthly anyway.
In some cases, as part of closing, you may have to pay for a year’s worth of PMI upfront. The same is true for taxes; you may pay a pro-rated portion of your taxes at closing as well as a monthly portion. Arrangements vary depending on what’s customary in your market, as well as your lender agreement.
After you have lived in your home for a few years, check out your equity. Mortgage insurance isn’t cancelled automatically, although you are supposed to be notified when it is no longer required. Once you’ve paid enough toward principal, you can drop the PMI and lower your monthly payment. You’ll need to make arrangements with your lender.
Down Payments & Loan to Value (LTV)
These two components play a big role in determining your maximum mortgage loan amount, interest rate, and consequently your monthly payment.
The down payment is the amount you pay toward the principal value of the property. This helps determine your loan-to-value ratio. It also gives the lender confidence that, in the event of foreclosure, the value of the property can cover the remaining principal balance of the mortgage.
In general, you should attempt to provide the biggest down payment you can afford. The bigger the down payment percentage, the lower your interest rate will be and the easier it will be to secure a mortgage.
In some cases, a big down payment can even offer you the opportunity for a non-standard 15-year mortgage, or similar shorter repayment period.
This is not only advantageous from the perspective of an easier-to-secure lower interest rate, but because of the accelerated repayment plan you can literally save tens-of-thousands of dollars on interest over the life of your loan.
How much is your down payment?
Down Payment $ = Principal × Down Payment %
Loan-to-value (LTV) ratios represent the relative size of the mortgage, compared to the value of the home. This is important in determining both your interest rate, and the need for PMI.
Even small changes in interest rate can translate into thousands of dollars over the term of the loan. So, working to get the lowest LTV you can will save you money.
Figure out your loan-to-value percentage
LTV % = (Principal $ – Down Payment $) ÷ Principal $
For example:
A $200,000 mortgage at 5% will have you paying the lender approximately $186,000 in interest after 30 years.
Cut that rate to 4.5% and you will be out only $164,000 after 30 years. That’s $22,000 in savings over 30 years on interest alone. Wow!
Debt to Income Ratio: Front End vs. Back End
Debt to income ratio is the primary calculation mortgage brokers and lenders will use to qualify your ability to repay the loan.
This is one of the most important numbers lenders will reference during the mortgage approval process. The lender will add up all your monthly obligations, including: student loans, insurance(s), bills, and credit card payments.
The total of your monthly obligations will then be divided by your gross monthly income. The resulting percentage represents the portion of your income that your debt constitutes. The lower the percentage, the more likely you are to secure a mortgage with good terms.
Most experts recommend that your debt-to-income ratio should be below 40 percent, so you can comfortably afford paying a monthly mortgage.
This is a great baseline when figuring out affordability, but definitely consider that this is based on your gross (pre-tax) income and does not take into account your tax liabilities, among other monthly expenses.
You should consult a licensed tax professional and/or an attorney to review the tax implications of owning a home.
Figure out your debt-to-income ratio
Debt to Income % = Sum of monthly debt obligations ÷ Your gross monthly household income
The above formula is a good start, but lenders and brokers will generally take it a step further and calculate the “front” ratio (housing costs only), then compare that to your “back” ratio (including monthly consumer debt obligations).
This allows lenders to evaluate your information and creditworthiness with and without housing accounted for, as well as understand how much of your total monthly debt obligations are taken up by housing expense.
Your “front-end” debt-to-income ratio
“Front” Debt to Income % = Sum of monthly housing obligations (inc. P.I.T.I., assessment, HoI) ÷ Your gross monthly household income
Your “back-end” debt-to-income ratio
“Back” Debt to Income % = Sum of monthly debt obligations (inc. housing, auto, student loans, credit cards etc.) ÷ Your gross monthly household income
Mortgage experts say a healthy front-to-back ratio is about 33/38. That means that a borrower’s housing costs should consume no more than 33 percent of their monthly income.
Adding the borrower’s monthly consumer debt to the housing costs should amount to a maximum of 38 percent of monthly income, in order to meet sound mortgage payment requirements (or, in relative terms, 87 percent of your monthly debt is from housing).
Rationally evaluating your debt-to-income ratio can help prevent the purchase of your dream home from turning into an endless nightmare. Don’t agree to a “surprisingly generous” loan offer if you think you can’t handle it.
If the monthly payments will leave you with little gas, medicine or grocery money, or lacking a safety net in case of job loss – then it’s not the right deal for you.
Some things you should consider:
See how much you can save by contributing an additional monthly amount to principal only.
Check what will happen if you refinance your current mortgage.
View how a lump sum pay down will change your outlook.
Keep track of your equity.
July 12
Mortgage Tips and News | Financial Planning | Mortgage Lenders Blog
Our Mortgage blog keep you up to date with the lat [...]
Get ready to experience the easiest home loan mortgage process ever. Your home loan experts in Arizona, Utah, California, New Mexico.
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Since 1984, we have strived to build a company that people can rely on and trust. We take pride in creating an experience that is Easy, Fast and Memorable! We are your home loan experts in Arizona, Utah, California, New Mexico with a 5 Star Rating! Nothing is more gratifying than knowing we are helping people with one of the most important decisions in their lives – their home.
OUR MOTTO/MISSION: WE CHANGE LIVES, ONE HOME AT A TIME!
We Are Your Go-To Home Loan Mortgage Lender!
These days with so many government regulations, getting a home loan can be stressful. That is why we have put together the strongest, most effective Home Loans process in the market. Our mortgage loan process takes you through step-by-step, with consistent communication, so you know what is going on every step of the way. One of the biggest reasons we are able to provide the service that is unmatched, is that most of our employees have worked here for 15 years or more. We have several that have hit the 20 year mark! We know how to make this a great experience for you. Meet our staff.
Whether you’re trying to secure a Arizona mortgage, Utah mortgage, California mortgage, we can help you. We’ve been rated one of top local mortgage lender for over 35 years.
Here is our step-by-step process that makes your mortgage loan simple:
Step 1: Loan Pre-Qualification/Pre-Approval
Our certified Loan Officers are the best in the business among mortgage lenders. They will work with you in the beginning stages of your home loan to help you see what your mortgage payment could be based on your current income, assets and debts. You can use our easy online mortgage payment calculator to find out initially what your payment could be. In this step they will go over a simple loan application and collect any documentation they need to ensure they give you an accurate pre-approval letter. Complete our simple online pre-qualification form today! Key factors that make up a solid pre-qualification letter:
Solid 2 years of income
Stable job history
Low Debt-To-Income Ratios
Solid assets in the bank/investments
Good Credit Score (Ranging from 680-730+)
No bad credit history…i.e. collections, derogatory accounts, BK, Foreclosure
Easily be able to verify all the above with good supporting documentation
Step 2: Process Your Mortgage Loan File
In this step, your Loan Officer’s highly trained assistant, as well as our highly trained mortgage loan processors, will scrub through your file thoroughly to ensure they get everything needed before your loan goes into Underwriting. There are many behind-the-scenes steps that are taken in this stage of your loan file to ensure all aspects of what is required is covered.
Here are just some of the steps taken in this stage of your loan.
Order the appraisal
Order title on property
Order insurance on the property
Verify income, assets, and all other documentation (There are many steps involved with this that you may not see)
Scrub through your credit report and verify any trade that needs to be updated or requires more information.
Review all documents that come back in, appraisal, title and insurance.
Scrub entire application and make sure everything is all in order.
Based on the loan type, either Conventional, FHA, VA or USDA, many other items need to be reviewed and scrubbed.
Start Your Home Loan Today – With our Streamlined Online Application!
Step 3: Underwriting of Your Home Mortgage Loan File
This is where the rubber hits the pavement! Our Underwriting team is one of the strongest in the business. Most of our staff have been working for Sun American Mortgage for 15 years or more. They are highly trained and are extremely committed to helping all our clients achieve their home ownership goals. The list below doesn’t do justice to all that is involved to properly Underwrite your loan. Just know, there are many hard-working hours behind the successful Approval of your home loans.
Here are just some of the steps taken in this stage of your loan.
Reviewing entire loan file in addition to what was done in Processing
Reviewing and double checking income, assets, credit, funds needed to close, etc…
Verifying that the loan program meets Conventional, FHA, VA, USDA guidelines.
Verifying investor programs for any additional guidelines.
Step 4: Preparing Your Arizona Home Loans For Signing
Double check, double check and double check again. The amount of documentation in your loan file at this point is about 4-5 inches thick! It’s a lengthy process to ensure all the “i’s” are dotted and “T’s” are crossed.
Step 5: Funding Your Home Loan
For you as a borrower, this is a great day where you can relax and begin to enjoy your new loan/house. For us, the work still continues on your file to ensure everything is all in order per the guidelines/investors. Many hours are spent with our Closing team to ensure all is done correctly and everything is taken care of.
We are proud to be among the best home loan mortgage lenderswith some of the lowest mortgage rates and one of the best rated mortgage lender.
Here are some quick links around our site:
Arizona is set to be one of the top housing markets in the country. There’s never been a better time to purchase or refinance your home. You can use our and find out exactly what your payment could be. Then you can contact us and start your streamlined application. We’ll help you see that we are one of the top mortgage lenders with the best mortgage interest rates.
If you’re a First Time Home buyer, there are many first-time home buyer grants in Arizona and Utah that will help you get into your first home loan.
Here are some of the home loan down payment assistance programs that we offer:
Arizona Home In 5
Home Plus home loan program
Pathway to Purchase Arizona
These programs offer great assistance with first time home buyers with their down payment on a new home purchase. There are some restrictions, so be sure to contact us so we can go over all the details of each program to see what makes sense for you.
Contact us today to learn more about these great down payment assistance programs for Arizona residents. 480-832-4343
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I’m a professional Loan Consultant with over 27 years of experience. There isn’t a scenario I haven’t seen or realized. Let’s connect today and see what’s possible! ????????
I love living in Southern Utah with my husband, son and our dog. LOVE hiking in the beautiful red rocks, running, and yoga. I’m looking forward to helping you for years to come with financing solutions tailored to you!
Experience is one of the most important things you need in a loan officer when choosing the financing for your home (and that’s what I’ve got!) Some even call me the Superman of Home Loans ????
Not many mortgage professionals are CPA’s. I bring that extra level of financial expertise to each transaction to ensure you and your family is making the best decision to meet your goals. ????
I have a strong passion to help people realize the value of homeownership through a purchase or refinance. Let’s connect today and see what’s possible! ????
I pride myself in being reliable and motivated to make sure you are coached through this process and that the experience is one you will appreciate. In my spare time, I love spending time with my family and watching sports movies!
I’ve been in the mortgage industry since 1978 and love to fly across Arizona in my single engine airplane to help various consumers learn and obtain a reverse mortgage. Give me a call today!
I’ve been with Sun American Mortgage since 1987 and have always been committed to providing customers with mortgage services that exceed their expectations. I’d love to help you!
I am a mother of 8 children and grandmother of 9. When I am not in the office and helping clients find their best mortgage options, I teach yoga, love to hike Angel’s Landing, and spend time outdoors with my friends and family.
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This was my first time buying a home, and my first multi family purchase. Sun American was extremely helpful and provided the best mortgage interest rate…
Our certified Loan Officers are the best in the business among mortgage lenders. They will work with you in the beginning stages of your home loan to help you see what your mortgage payment could be based on your current income, assets and debts. You can use our easy online 
Start Your Home Loan Today – With our Streamlined Online Application!
Step 3: Underwriting of Your Home Mortgage Loan File
This is where the rubber hits the pavement! Our Underwriting team is one of the strongest in the business. Most of our staff have been working for Sun American Mortgage for 15 years or more. They are highly trained and are extremely committed to helping all our clients achieve their home ownership goals. The list below doesn’t do justice to all that is involved to properly Underwrite your loan. Just know, there are many hard-working hours behind the successful Approval of your home loans.
Here are just some of the steps taken in this stage of your loan.
For you as a borrower, this is a great day where you can relax and begin to enjoy your new loan/house. For us, the work still continues on your file to ensure everything is all in order per the guidelines/investors. Many hours are spent with our Closing team to ensure all is done correctly and everything is taken care of.
We are proud to be among the best home loan mortgage lenders with some of the lowest mortgage rates and one of the best rated mortgage lender.
Here are some quick links around our site:
