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Purchasing a Home |
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| Go Back - Home > Home Owners > Purchase |
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| Purchase | Refinance | Home Improvement | Avoiding Foreclosure |
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Whether you are an investor or a first time home buyer, Sun West Mortgage has the right loan program . If you are planning to purchase your home, congratulations on your decision! Lots of people do not even consider buying a home because they are mistakenly afraid they cannot afford it. But for most people, home ownership is within reach - especially with some of our special programs for first-time home buyers. In fact, for many, home ownership is as affordable as renting - in some cases even more affordable.
Buying a home offers many advantages such as:
- Tax Benefits
- Investment
- Pride of Ownership
The process of buying a home is simple. As soon as you start thinking of buying a home, the first step is getting pre-qualified for a home loan. You can apply on-line. Or if you prefer, you may call us at (800) 453-7884 and ask to speak to a "Loan Agent". We will ask you some basic questions. Most of the time, we will be able to give you a tentative pre-approval at the end of the telephone conversation.
Once you have pre-qualified for a home loan, we will take a loan application. Loan application process is simple. You may be asked to bring with you some simple documents such as recent paycheck stubs and W-2's. We will fill out the forms based on the information we receive from you. Now comes the hard part - finding a home. With a help of a good Realtor, you will find this process to be both exciting and at times frustrating. We will work with you as you look for your new home. We will help you determine how much house you can afford, help steer you to special mortgages for first-time home buyers, and perhaps make suggestions that could make it easier to get the best mortgage for you.
Once you have found a home, we will finish processing your loan, usually within 14 working days. You will be asked to sign the final loan documents and within a couple of days, your Realtor will give you the keys to your new home! |
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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) registered by the Tennessee Department of Financial Institutions under the Residential Lending, Brokerage and Servicing Act (License# 3552) [(615) 253-6714]; is a licensed Mortgage Banker in Pennsylvania (License# 21829) [(717) 787-7334]; is licensed as a Supervised Lender in Maine (License # SLM9710) [(207) 624-8539]; is a licensed Mortgage Lender in Georgia (License# 22591) [(770) 986-1633]; licensed Broker by the Virginia State Corporation Commission as (License# MC-4999) [(804) 371-0484]; is a licensed Mortgage Lender in the District of Columbia (MLB3277) [(202) 442-7821]; 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]; 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]; and is licensed as a Mortgage Banker in Wisconsin (License# 212942BA) [(608) 261-7578]; 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]; 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]; and licensed as a Residential Mortgage Lender in Wyoming (License# MBL-1902) [(307) 777-6483]; 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]; has a Consumer Loan License in Washington (CL-3277) [(360) 902-8703]; is a Residential Mortgage Loan Broker licensee in Missouri (License# 11-1881-S) [(573) 751-4243]; is licensed in Alaska as a Mortgage Broker and Lender (License# AK3277) [(907) 269-4594]; is a North Dakota licensed Money Broker (License# MB101661) [(701) 328-9932]; is licensed by Florida’s Office of Financial Regulation with a Mortgage Lender License (License# MLD266) [(850) 410-9895]; Licensed by the Mississippi Department of Banking and Consumer Finance (License# 603/2008) [(800) 844-2499]; 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 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 a First Lien Mortgage Lending licensee with Indiana Department of Financial Institutions (License# 11272) [(317) 232-3955]; is a licensed lender in Vermont (License# 6060) and a licensed Loan Servicer (License# 3277-1) [(802) 828-3307]; a South Dakota Licensed Mortgage Lender (License# ML.04740) [(605) 773-3421]; 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]; a mortgage lender in West Virginia (License# ML-23946) [(304) 558-2294]; an Oregon Mortgage Lender Licensee (License# ML-4599) [(503) 378-4140]; is a licensed lender in Delaware (State Bank Commissioner License# 9970) [(302) 739-4235]; is licensed by the New Hampshire Banking Department as a Mortgage Banker (License # 13604-MB) [(603) 271-8675]; is a licensed Mortgage Banker in Iowa (License# 2007-0093) [(515) 281-4014]; is a licensed mortgage lender in Maryland (License# 17740) [(410) 230-6155]; is registered as a First Mortgage Broker, Lender and Servicer in Michigan for first (License# FR0016085) [(877) 999-6442]; has a Mortgage Company License (License# MC.0025065) in Kansas [(785) 296-2266]; is licensed in Oklahoma as a Mortgage Broker (License# MB001619) [(405) 521-3653]; is licensed as a Mortgage Loan Company by the Department of Financial Institutions in Kentucky (License# MC71444) [(800) 223-2579 ]; is licensed as a Residential Mortgage Lender in Louisiana (License# 2713) [(225) 925-4660]; is licensed in Idaho as a Mortgage Broker and Lender (License# MBL-6742) [(208) 332-8002]; is licensed in New York as a Mortgage Banker-NYS Banking Department (License# B500897) [(212) 709-3847]; 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 licensed as a Mortgage Lender in Montana (License# 3277) [(406) 841-2928]; is a licensed Residential Mortgage Originator in Minnesota (License# MN-MO-40020564) [(651) 296-6657]; is exempt from licensing as a Wholesale Lender in Nevada [(775) 684-7060]; is a registered third party servicer in Massachusetts (Registration# LS3277) [(617) 956-1500]; is a licensed Mortgage Lender and Servicer in South Carolina (License# MLS-3277) [(803) 734-2020]; Sun West Mortgage Company, Inc. (NMLS ID 3277) has a Consumer Credit License in Alabama (License# 21015) [(334) 242-3452]; 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]; a registered Texas Mortgage Banker (NMLS ID#359295) [(877) 276-5550]; is licensed as a Mortgage Banker and Mortgage Servicer by the Arkansas Securities Commissioner (License# 40431) [(501) 324-9265]; 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 Banker in Nebraska as dba Cal State Funding, Inc. (License# 1908) [(402) 471-2171]; 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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