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Getting Started
Application
Approval
Step 1
Do you already have an Application Number?
What type of application do you wish to start?
What type of product are you looking for?
FHA Mortgage Benefits and Highlights
Lower down payment requirements (as little as 3.5% on most products), with gifts funds eligible for use towards your down payment.
Lower credit scores requirements. Sun West Mortgage Company, Inc. is able to finance your FHA loan with less-than-perfect credit scores and a FICO as low as 500.
A higher Debt-to-Income (DTI) ratio is acceptable.
Using an FHA 203k loan, upgrade, improve, or rehabilitate existing and new homes.
In some cases, you can use an FHA loan to refinance to avoid facing foreclosure if you are experiencing financial hardship.
VA Mortgage Benefits and Highlights
Available to all active duty military personnel, veterans, military reserve and National Guard members, and their surviving spouses if they do not remarry.
No down payment required.
No monthly mortgage insurance payments required.
Available as both fixed and adjustable rate options.
Eligible credit scores as low as 500.
Ability to finance the VA Funding Fee into the mortgage.
Active duty military members may be eligible to use certain military entitlements to pay for their mortgage.
USDA Mortgage Benefits and Highlights
No down payment required.
Low monthly mortgage insurance (MI).
Lower income requirements for the borrower.
Lower closing costs.
Up to 100% of the property value can be financed.
Income and geographical location eligibility requirements apply.
Property must be owner-occupied.
Conventional Mortgage Benefits and Highlights
Must have a credit score of at least 680 and, preferably, well over 700. The higher the score, the lower the interest rate on the loan, with the best terms being reserved for those over 740.
Have a debt-to-income ratio (DTI) (the sum of your monthly obligations compared to your monthly income) around 36%, and no more than 43%.
Requires at least 20% of the home's purchase price.
What type of existing loan do you want to refinance?
Please complete the details below and click on Continue to initiate an application and create an account.
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Please Click Here or refer to www.nmlsconsumeraccess.org to see where Sun West Mortgage Company, Inc. (NMLS ID 3277) is a licensed lender and servicer.
We are not accepting applications from Georgia or Massachusetts residents or purchasing mortgages secured by Georgia properties at this time.
Please Click Here to view Texas Complaint Notice and Servicing Disclosure.
