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  Knowing Your Options
  When it comes to buying or refinancing your home, we've got you covered. At Sun West Mortgage, we understand that every borrower’s needs are different. With the myriad of mortgage options out there, it can be overwhelming when it comes to choosing the right loan for your home. Whether you are looking to purchase a home or refinance your current mortgage, be rest assured that our friendly and knowledgeable staff will assist you in finding the perfect loan for your home from our complete line of mortgage products. Sun West also offers both pre-qualification and pre-approval before you shop for your home, and our fast closing times will help make sure that your home buying experience goes as smooth and hassle-free as possible. Give us a call today at 1 (844) SUN-WEST (786-9378) to get started.
 
Loan Programs Minimum Down Payment Special Eligibility Mortgage Terms Loan Purpose
Conventional Conforming
Fixed Mortgage is the most popular option.
5% - Fixed
10% - ARM
None 10, 15, 20, 25, 30 year fixed
5/1, 7/1 ARM
Purchase
Refinance
FHA
Federally insured with less stringent qualifications and specialized programs
3.5% None 15, 20, 25, 30 year fixed
3/1, 5/1 ARM
Purchase
Refinance
Home Improvement
VA
Designed to assist U.S. Active Duty personnel and veterans
None for Non-Jumbo products Yes
Must be a U.S. veteran or Active Duty military personnel
15, 20, 25, 30 year fixed
3/1, 5/1 ARM
Purchase
Refinance
USDA
Designed for homeowners of rural communities
None Yes
Property must be in rural area with applicable maximum income limit
30 year fixed Purchase
Refinance
Home Improvement
HARP
Home Affordable Refinance Program
Designed to help troubled homeowners refinance to a more manageable mortgage
NA Yes
Original loan must be closed on or before May 31, 2009 with Fannie Mae or Freddie Mac
10, 15, 20, 25, 30 year fixed Refinance
JUMBO
High balance loans for high value homes from $417,000 to $2,5000,000
Note: Certain state restrictions apply
20% Yes
Stricter underwriting requirements
15, 30 year fixed
5/1, 7/1, 10/1 ARM
Purchase
Refinance
 
  All products are subject to credit approval. Eligibility for any program is subject to agency guidelines. Minimum down payment requirement for any loan program may change with loan feature (amortization type and period), property unit, occupancy type, loan amount, and credit rating. Program terms and conditions are subject to change without prior notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. The content is for informational purposes only and is not meant for legal, tax or accounting advice. Please consult one of our mortgage professionals for more details.
 
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