Whether you’re a first-time home buyer or looking for a new start, we’re here to help you achieve your home-buying dream.
Turn the key to your future with SunWest. Explore our competitive mortgage rates, minimal closing fees, and streamlined closing process. Find a home that meets your needs + makes you want to spend your nights in. We’ll help you call it yours.
Learn more about our available home loan options to decide which one best suits you. If this mortgage mumbo jumbo is all Greek to you, don’t stress! Our Mortgage Specialists are matchmakers ready to find your mortgage mate.
Terms of 5, 7, + 10 years. An ARM loan begins with a lower initial payment and a rate that is locked in at closing. After this initial period, the rate adjusts according to market conditions. This flexibility can be advantageous for borrowers planning to refinance or relocate in the near future, as it allows them to benefit from lower upfront costs without the commitment to a long-term rate.
This option makes building your home simpler and more affordable. You only need to apply once and go through one closing process, which covers both the construction of your home and your permanent mortgage. This means you’ll pay just one set of closing costs and lock in your interest rate early on. By streamlining these steps, you save both time and money as you transition from building to owning your home.
The FHA loan program is tailored for homebuyers with less-than-perfect credit or limited funds for a down payment. With only a 3.5% down payment required, which can be gifted from an approved source, FHA loans offer flexible qualification criteria and more lenient credit requirements than many conventional loans, making home ownership accessible to a wider range of buyers.
Our Fixed Rate Mortgage ensures that your monthly payments remain consistent throughout the term of your loan, offering peace of mind and predictability. Whether you choose a 10, 20, or 30-year term, your interest rate—and your principal and interest payments—will not change. This program is ideal for those who value stability in their financial planning.
The Freddie Mac Home Possible® mortgage is designed for first-time homebuyers and those with low to moderate incomes. It offers flexible funding options for down payments and closing costs, reduced mortgage insurance premiums, and is available for both home purchases and refinancing.
The Fannie Mae HomeReady® mortgage program supports first-time homebuyers and those with minimal credit history. It provides creative solutions for down payments and closing costs, and offers flexible methods to qualify financially, making it easier to buy a home with a lower credit score.
Our jumbo loans enable the purchase of high-value properties that exceed conventional loan limits. With financing available up to $3,000,000, these loans are ideal for buying luxury homes or multi-unit properties, providing opportunities to refinance at a lower monthly cost and invest further in your property.
The USDA Rural Development loan is perfect for homebuyers aiming to purchase in rural areas, offering 100% financing with no down payment required, and flexible seller contributions towards closing costs. This program is an excellent option for those with modest incomes who wish to achieve homeownership with minimal upfront investment.
Super Conforming loans are designed for buyers in high-cost areas, extending conventional loan limits up to $625,500. These loans come in a variety of terms, including both fixed-rate and adjustable-rate options, providing flexibility and higher borrowing capacity to meet your real estate needs.
The VA loan program, exclusive to Veterans and eligible military personnel, provides significant benefits including zero down payment and no primary mortgage insurance. With the most lenient credit and qualification standards available, VA loans offer a substantial advantage to those who have served our country.
The smartest homeowners do their homework. Check Arizona mortgage rates and calculate your monthly payment.
Buying a house is MAJOR, and you should feel incredibly proud. The process doesn’t have to drain any of that excitement. Your Mortgage Specialist will work with you every step of the way to answer questions and offer advice, so you can–dare I say–enjoy the home-buying process!
Complete a prequalification + collect your most recent pay stub, bank statement, and 2 years of tax returns.
Get in touch with your Real Estate Agent to provide them with your prequalification letter + a home wishlist–break it down between wants + needs
Find your home. YAY! Once your offer has been accepted, you’ll sign a Purchase Agreement + we’ll take it away with the financing process.
We’ll send you the loan estimate + early disclosures. Then, we get to work on underwriting + ordering the appraisal.
Once the appraisal is done + meets any necessary underwriting conditions, your loan is clear to close.
We’ll get all the documents finalized + set a closing date.
On closing day, all final documents will be signed, and that house is now your new home.
A SunWest First Mortgage Purchase is a loan used to finance the purchase of your home, with that home serving as collateral for the loan.
SunWest will assist you throughout the financing process—from your initial application, to reviewing disclosures, and handling stipulations and conditions.
Your mortgage will be underwritten with our first mortgage partner, Member First Mortgage. After your mortgage loan has been funded, Member First Mortgage may then sell it to an appropriate lender for servicing.
You can apply through our quick + easy online application here If you prefer to speak with a Mortgage Representative, please call 602.866.1129 (option 2).
Typically, you’ll need to provide income verification, such as your most recent pay stubs or tax returns, as well as proof of homeowner’s insurance, and payoff statements if any are required.
Applying for your mortgage can take as little as 15-20 minutes.
You will have access to a secure portal where you can view the status of your application. You can also speak with a SunWest Mortgage Representative at any time throughout this process at 602.866.1129 (option 2).
Once your loan has been funded and assigned to a lender, you will receive a first mortgage welcome packet with all the necessary information to set up payments. If you do not receive your lender information within 30 days of when your loan funds, please contact our Mortgage Department at 602.866.1129 (option 2).
You can contact our Mortgage Department at 602.866.1129 (option 2), and a Mortgage Representative will provide the information for the lender that holds your loan. The first mortgage welcome packet you receive from the lender will also provide all the necessary information.
*APR = Annual Percentage Rate. See a representative for details.
1. Every mortgage is unique. This step-by-step process is simply to serve as a general outline of what you can expect during the mortgage process. We make no guarantees in regards to timelines, required documentation, approval, etc.
This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC is a partner of CREDIT UNION NAME. For MFM’s licensing and state disclosure information, please visit the Member First Mortgage, LLC licensing website. CREDIT UNION NAME: 123 Address St., Somewhere, ST 99999 | (123) 456.7890 | NMLS ID: 123456. Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532 | For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
