First-Time Home Buyer?
You're ready to buy your first home... congratulations! We can make it happen together.
Need an FHA or VA Loan?
Sometimes you just need a bit more flexibility when buying a home. We can help!
Want an Investment Property?
Ownership has its benefits...like additional income and possible tax benefits.
Homeownership is a special dream we can help you make a reality.
Imagine what it’s like to turn the doorknob and cross the threshold of your house for the first time. Picture designing, decorating and filling your home with your own personal style. Envision what it will be like to build your life within a sanctuary you can call your own. Our friendly Home Finance Officers are ready to work with you one-on-one to make owning a home a reality. We’ll walk you through every step of the process and help you get settled in with a mortgage loan that fits your individual needs.
Beneficial Borrowing
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Better, lower loan rates
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Fixed, adjustable & jumbo loans
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Traditional & customized loan terms
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Unique loans, such as balloon, FHA & VA
Loan Options
We want you to feel comfortable with your mortgage. That’s why we have many loan options available to you.
Fixed Rate Mortgage
A fixed rate mortgage is a simple option. With this type of loan your payment and interest rate will never change throughout the life of your loan.
Jumbo Loans
When you need to borrow more to get your home, a jumbo loan from Sun Federal may be a good option.
Adjustable Rate Mortgage
An adjustable rate mortgage (ARM) offers you a lower interest rate and monthly payment at the beginning of your loan. Over time, though, your rate and payments may change.
Unique Loans
Have a unique situation? Sun Federal offers several unique loans – including balloon, FHA, VA and many others.
Need help deciding which option is right for you?
Contact one of our friendly Home Finance Officers. They’re here to help you.
Easy as 1-2-3
With our team of friendly Home Finance Officers, you can confidently tackle the mortgage process with ease and efficiency! To begin, simply gather the documents on our Purchase Checklist (NOTE–where is this?*), then follow the three steps below.
1
Research
- Visit home and real estate websites (such as Zillow.com) to research the cost of homes in areas where you want to live. Use this info to play with our purchase calculators to get an idea of your monthly payment.
- Review mortgage rates and consider the type, term and rate that work best for your budget.
2
Prepare
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Get your savings ready. You’ll need at least 3 months of payments, known as "reserves," saved – in addition to your down payment – before applying.
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Gather all the documents on the Purchase Checklist*.
3
Apply
- Once your application is submitted, there will be underwriting of the property and your loan application information.
