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Home Owners |
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| Refinance, Cashout, Reverse Mortgage and More.. |
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| Go Back - Home > Home Owners |
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| Purchase | Refinance | Home Improvement | Avoiding Foreclosure |
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 Whether you are a first-time home buyer or would like to take advantage of current interest rates to reduce your monthly mortgage payment, Sun West's mortgage loan originators are always here to help you. Our loan officers will help you evaluate your specific situation enabling you to make the right decision.
As a full service mortgage bank, Sun West offers you a variety of loan programs that allow you to choose what is best for you. Whether you are working with one of our mortgage loan officers or through one of our broker partners, Sun West is committed to ensuring that you obtain a mortgage that is affordable. For instance, in case of a refinance, we will analyze the mortgage transaction to ensure that there is a positive benefit to you by way of a reduction in payment and/or you receive cash that you may use to consolidate debts or for that renovation project you would like to have done.
In most cases, an FHA (Federal Home Administration) program would be most suitable. If you are a veteran you may be able to take advantage of VA benefits for a purchase or an interest rate reduction refinance program from the Department of Veteran Affairs. For borrowers who meet certain maximum income limits in rural zone may qualify for loan programs guaranteed by the USDA-RD (United States Department of Agriculture - Rural Development).
Use our Loan Calculators to estimate monthly payments, affordability, or your refinance options. There are a number of ways to approach an affordability analysis, and these calculators allow you to assess the effects of different variables when buying a home.
Our senior homeowners aged 62 and older may choose to consider a reverse mortgage insured by the FHA as a means to pay off a mortgage and/or convert the equity in their homes to a positive cash-flow. This mortgage is also commonly referred to as the Home Equity Conversion Mortgage (HECM, pronounced as heckum). As a borrower, you retain title to your home while benefitting from the equity in your home. Click here to estimate how much mortgage you may be able to obtain through a Reverse Mortgage.
Current Sun West borrowers (non-HECM) may login and view their current account statements. |
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Consumer Home Loan Mortgages |
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SWMC offers a wide range of residential home loan mortgage programs to suit different situations such as a purchase, refinance, a property rehabilitation loan or a reverse mortgage at the competitive interest rates.
FHA Purchase at 96.5% Financing, Streamline (Interest Rate Reduction) Refinance, and Cash-Out Refinance, 203(k) Rehabilitation Loan, 203(k) Streamlined Rehabilitation Loan, and the Home Equity Conversion Mortgage (Reverse Mortgage) and USDA Rural Housing mortgages.
If you are a Veteran, Sun West offers you VA guaranteed mortgages for Purchase Loans at 100% Financing, Cash-Out Refinance, and Streamline Interest Rate Reduction Refinance Loans (IRRRL).
You can use our simple mortgage calculator tools to find out your monthly payment, the house you can afford, your refinance options, or the home equity you may be able to access through a reverse mortgage (HECM).
As a full-service mortgage bank, Sun West is one of the few approved direct lenders to provide in-house origination, processing, underwriting, closing, funding, and servicing. Based in California with active presence across the country, Sun West is dedicated to offering exceptional service coupled with integrity, reliability, and experience. |
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| Read More About Consumer Home Loan Mortgages >> |
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Loan Calculators |
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- FHA Purchase Calculator
Calculates the monthly mortgage payment for your home purchase loan, as per prevailing interest rates.
- Reverse Mortgage Calculator
Calculates and compares the available options for HECM products.
- Monthly Payment
Calculates your payment for different loan amounts, interest rates, and amortization terms.
- How Much Can I Afford?
Calculates your maximum mortgage loan amount based upon the monthly home loan payment, interest rate, and term that you enter.
- Should I refinance?
Just enter information about your current mortgage loan and the new loan you're thinking of taking, and we'll calculate your savings.
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Partner Resources |
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Press Releases |
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- 12/16/2011: Sun West Mortgage Company and the Cerritos Sheriff Station team up to supply little boys and girls toys this holiday Read More..
- 10/03/2011: Sun West Mortgage Increases Its Reach in New Jersey Read More..
- 4/22/2011: Variable Servicing Margins on Different Participations of the Same Loan for HMBS Issuers Announced by Sun West Mortgage Read More..
- 2/16/2011: Sun West Mortgage Company Crosses $6 Billion Mark in Ginnie Mae HECM Mortgage Backed Securities Read More..
- 10/26/2010: Capital Markets Cooperative and Sun West Mortgage Company Creates New Strategic Alliance Read More..
- 7/14/2010: Sun West Mortgage Issues Green Building Guidelines For Multifamily Projects Nationwide Read More..
- 3/18/2010: Pentagon Federal Credit Union and Sun West Mortgage Announce First in the Nation Approach to Reverse Mortgage Initiative Read More..
- 1/28/2010: Ginnie Mae Hope for Homeowners Securities Issued by Sun West Mortgage Read More..
- 1/28/2010: Sun West Crosses $2 Billion Mark in Ginnie Mae HECM Mortgage Backed Securities Read More..
- 10/23/2008: Sun West Mortgage Is Issuer In Ginnie Mae HMBS Transactions Read More..
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| View All Press Releases >> |
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Lender Alerts |
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- 02/07/2012: SWMC Product Guidelines - FHA Jumbo Update Read More..
- 02/03/2012: Reminder: Self-Employed Income Calculation Guidelines Read More..
- 01/31/2012: Clarifications: Updated Guidelines for FHA Streamline Refinances and Income Qualification for Self-Employed Borrowers Read More..
- 01/20/2012: SunSOFT® Imaging Manager Goes Live Read More..
- 01/19/2012: FHA Streamline Refinances and Income Qualification Read More..
- 01/19/2012: Update for Correspondent Read More..
- 01/13/2012: SWMC Lock Desk Closure Notification Read More..
- 12/22/2011: SWMC Holiday Closing Notice Read More..
- 12/22/2011: Sun West Mortgage te desea una Feliz Navidad Read More..
- 12/12/2011: Multifamily and Healthcare Loans Read More..
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| View All Lender Alerts >> |
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| Careers | Contact Us | Links | Site Map | Terms | Privacy Policy |
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Notice to prospective vendors, service providers, brokers, dealers, trading counter-parties, and corporate partners:
The only persons authorized to enter into contracts on behalf of Sun West Mortgage Company, Inc. are the company's President and Chief Executive Officer.
You may call our corporate office at +1 (800) 453-7884 or e-mail contracts@swmc.com to verify the execution of any contract.
You may visit www.nmlsconsumeraccess.org to verify Sun West's State Licenses. |
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Sun West Mortgage Company, Inc. (NMLS ID 3277) is licensed as an Illinois Residential Mortgage Licensee by the Office of Banks and Real Estate, Mortgage Banking Division, (License# MB.6760356) [(312) 793-1955]; is licensed as a Residential Mortgage Lender in Louisiana (License# 2713) [(225) 925-4660]; is a licensed lender in New Jersey (License# 9400980) with a branch office in Denville, NJ (NMLS ID 454915) by the New Jersey Department of Banking [(609) 292-7272]; a mortgage lender in West Virginia (License# ML-23946) [(304) 558-2294]; is a licensed Mortgage Lender in the District of Columbia (MLB3277) [(202) 442-7821]; is a licensed Mortgage Lender and Servicer in South Carolina (License# MLS-3277) [(803) 734-2020]; is a North Dakota licensed Money Broker (License# MB101661) [(701) 328-9932]; licensed Broker by the Virginia State Corporation Commission as (License# MC-4999) [(804) 371-0484]; licensed by the Arizona Department of Financial Institutions registered in Arizona as Sun West Mortgage USA Company, Inc. DBA Cal State Funding and licensed as a Mortgage Banker (License# 0909624), a branch in Chandler, AZ (NMLS ID 167400) and Scottsdale, AZ (NMLS ID 359295) [(602) 771-2800]; registered in New Mexico under the Mortgage Loan Company and Loan Broker Act (License# 03201) doing business as Sun West Mortgage USA, Inc. [(505) 476-4908]; an Oregon Mortgage Lender Licensee (License# ML-4599) [(503) 378-4140]; registered by the Tennessee Department of Financial Institutions under the Residential Lending, Brokerage and Servicing Act (License# 3552) [(615) 253-6714]; is licensed in Alaska as a Mortgage Broker and Lender (License# AK3277) [(907) 269-4594]; is a licensed Mortgage Banker in Nebraska as dba Cal State Funding, Inc. (License# 1908) [(402) 471-2171]; has a Mortgage Company License (License# MC.0025065) in Kansas [(785) 296-2266]; is a licensed lender in Vermont (License# 6060) and a licensed Loan Servicer (License# 3277-1) [(802) 828-3307]; is licensed as a Mortgage Banker and Mortgage Servicer by the Arkansas Securities Commissioner (License# 40431) [(501) 324-9265]; is licensed by the New Hampshire Banking Department as a Mortgage Banker (License # 13604-MB) [(603) 271-8675]; and licensed as a Residential Mortgage Lender in Wyoming (License# MBL-1902) [(307) 777-6483]; has a Consumer Loan License in Washington (CL-3277) [(360) 902-8703]; is a licensed Residential Mortgage Originator in Minnesota (License# MN-MO-40020564) [(651) 296-6657]; is a licensed Mortgage Lender and Servicer in Puerto Rico (License# IH-138) with a branch license in Guaynabo, Puerto Rico (NMLS ID 516931) [(787) 723-8403]; is a licensed lender in Delaware (State Bank Commissioner License# 9970) [(302) 739-4235]; is a licensed Mortgage Banker in Pennsylvania (License# 21829) [(717) 787-7334]; by the Department of Corporations as a California Finance Lender (License #6030119) with a Branch Office in Corona, CA (NMLS ID 363427) [(866) ASK-CORP] and is licensed by the Department of Real Estate (License #00793885) [(877) 373-4542]; Sun West Mortgage Company, Inc. (NMLS ID 3277) has a Consumer Credit License in Alabama (License# 21015) [(334) 242-3452]; is licensed in Oklahoma as a Mortgage Broker (License# MB001619) [(405) 521-3653]; is exempt from licensing as a Wholesale Lender in Nevada [(775) 684-7060]; is licensed in New York as a Mortgage Banker-NYS Banking Department (License# B500897) [(212) 709-3847]; a registered Texas Mortgage Banker (NMLS ID#359295) [(877) 276-5550]; is a licensed mortgage lender in Maryland (License# 17740) [(410) 230-6155]; is a licensed lender in Utah (License# 7477238) with a branch license in South Jordan, Utah (NMLS ID 776241) [(801) 530-6297]; is a licensed Mortgage Lender in Georgia (License# 22591) [(770) 986-1633]; and is licensed as a Mortgage Banker in Wisconsin (License# 212942BA) [(608) 261-7578]; the Connecticut Department of Banking (Registered in Connecticut as Sun West Mortgage Company, Inc. dba Cal State Funding, Mortgage lender (License# 19683) [(860) 240-8275]; is a licensed Mortgage Banker in Iowa (License# 2007-0093) [(515) 281-4014]; is a registered third party servicer in Massachusetts (Registration# LS3277) [(617) 956-1500]; is licensed by the Hawaii Department of Financial Institutions as a Mortgage Loan Originator Company (HI-3277) having a Branch Office (Mortgage Loan Originator Company Branch License HI-719250) in Kapaa, HI (NMLS 719250) [(808) 586-2820]; is licensed by Florida’s Office of Financial Regulation with a Mortgage Lender License (License# MLD266) [(850) 410-9895]; is licensed as a Mortgage Lender in Montana (License# 3277) [(406) 841-2928]; is licensed as a Mortgage Loan Company by the Department of Financial Institutions in Kentucky (License# MC71444) [(800) 223-2579 ]; is registered as a First Mortgage Broker, Lender and Servicer in Michigan for first (License# FR0016085) [(877) 999-6442]; Licensed by the Mississippi Department of Banking and Consumer Finance (License# 603/2008) [(800) 844-2499]; by the Colorado Department of Law Uniform Consumer Credit Code, holding a Supervised Lender’s License (989559) and a Mortgage Company Registration [(303) 866-4527]; is a Residential Mortgage Loan Broker licensee in Missouri (License# 11-1881-S) [(573) 751-4243]; a South Dakota Licensed Mortgage Lender (License# ML.04740) [(605) 773-3421]; is licensed in Idaho as a Mortgage Broker and Lender (License# MBL-6742) [(208) 332-8002]; is licensed as a Supervised Lender in Maine (License # SLM9710) [(207) 624-8539]; registered in Ohio under the Mortgage Broker Act Mortgage Banker Exemption (MBMB.850093.000) with a branch (NMLS ID 447576) in Westerville, Ohio (License# MBMB.850093.001). [(614) 728-8400]; is a First Lien Mortgage Lending licensee with Indiana Department of Financial Institutions (License# 11272) [(317) 232-3955]; In all states, the principal licensed office of Sun West Mortgage Company, Inc. (NMLS ID 3277) is 18303 Gridley Road in Cerritos, CA 90703; (800) 453-7884. |
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