Sunstreet Mortgage

Sunstreet Lending, established in 2005, is a residential mortgage lender focused on leading our clients through the path that takes them home! With offices in Tucson, Nogales, Sierra Vista, Green Valley, Sahuarita, Thatcher, Safford, Flagstaff, and San Diego, California, we pride ourselves in understanding your needs and guiding you through every step of the residential mortgage loan process, whether this is your first home purchase, or you are refinancing investment properties. With competitive pricing, the ability to offer a variety of loan programs (including conventional, FHA, USDA, VA, Reverse Mortgages, manufactured housing), convenient locations, in-house underwriting, quick closing, and exceptional service from initial discussions through loan funding, we are here to help you find the right solution for your residential mortgage lending needs.

Our loan officers are some of the most experienced in the industry and have deep relationships with local realtors. They have easy access to our underwriters and our closing department. They can get questions answered and provide you with accurate and informative updates in a timely manner. Our team is dedicated to ensuring that the loan process is smooth and efficient, and we strive to maintain open communication throughout the entire process.

Sunstreet Lending has been happily serving the SouthWest for over 17 years. We are committed to providing our clients with the best possible service and the best possible loan options. We are proud to offer a wide range of loan programs, including conventional, FHA, USDA, VA, Reverse Mortgages, and manufactured housing. We understand that every client has unique needs and financial situations, and we are dedicated to finding the right loan solution for each and every one of our clients.

At Sunstreet Lending, we believe that everyone deserves the opportunity to own a home. We are dedicated to helping our clients achieve their dream of homeownership, whether they are first-time homebuyers, seasoned homeowners, or investors. Our team is here to guide you through the loan process, answer any questions you may have, and help you make informed decisions about your loan options. We are committed to providing exceptional service, competitive pricing, and a wide range of loan programs to meet the needs of our clients.

Loan Programs

At Sunstreet Lending, we offer a variety of loan programs to meet the unique needs of our clients. Our loan programs include:

• Conventional Loans: These loans are not insured or guaranteed by the government. They are typically the most common type of loan and offer competitive interest rates and terms.
• FHA Loans: These loans are insured by the Federal Housing Administration (FHA) and offer more lenient credit score requirements and lower down payments compared to conventional loans.
• USDA Loans: These loans are guaranteed by the United States Department of Agriculture (USDA) and offer zero down payment options for borrowers purchasing homes in rural areas.
• VA Loans: These loans are guaranteed by the Department of Veterans Affairs (VA) and offer zero down payment options and competitive interest rates for eligible veterans, active-duty military personnel, and surviving spouses.
• Reverse Mortgages: These loans allow homeowners to borrow money using the equity in their homes as collateral. They are typically used by seniors who want to access cash without having to sell their homes.
• Manufactured Housing: These loans are used to finance manufactured homes, which are prefabricated homes built in a factory and transported to the site where they will be occupied.

Loan Process

At Sunstreet Lending, we understand that the loan process can be complex and time-consuming. That's why we are dedicated to making the process as smooth and efficient as possible. Here is an overview of the steps involved in the loan process:

1. Pre-Approval: The first step in the loan process is to get pre-approved for a loan. This involves providing us with some basic financial information, such as your income, credit score, and current debts. Based on this information, we can provide you with a pre-approval letter stating the amount you are eligible to borrow.

2. Application: Once you have found a home you want to purchase, you will need to submit a formal loan application. This will involve providing more detailed financial information, such as tax returns, pay stubs, and bank statements.

3. Processing: After submitting your application, our team will review your documents and order an appraisal of the property. We will also review your credit report and verify your employment and income.

4. Underwriting: Once we have all of the necessary information, we will submit your loan application to our underwriting department for review. The underwriter will review your application and may request additional information or documentation.

5. Approval: If your loan application is approved, we will provide you with a loan commitment letter outlining the terms of the loan.

6. Closing: The final step in the loan process is the closing, where you will sign the final loan documents and transfer ownership of the property. This typically takes place at a title company or attorney's office.

Loan Officers

At Sunstreet Lending, our loan officers are some of the most experienced in the industry. They have deep relationships with local realtors and easy access to our underwriters and closing department. They can get questions answered and provide you with accurate and informative updates in a timely manner. Our loan officers are dedicated to ensuring that the loan process is smooth and efficient, and they strive to maintain open communication throughout the entire process.

Our loan officers are knowledgeable about the various loan programs available and can help you determine which loan is best for your unique financial situation and goals. They are committed to providing exceptional service and finding the right loan solution for each and every one of our clients.

Commercial Careers

At Sunstreet Lending, we are always looking for talented and motivated individuals to join our team. We offer a variety of career opportunities, including loan officers, underwriters, processors, and more. If you are interested in a career in the mortgage industry, we encourage you to explore our current job openings and apply today.

Testimonials

At Sunstreet Lending, we are proud of the exceptional service we provide to our clients. Here are just a few testimonials from some of our satisfied clients:

"Sunstreet Lending made the home buying process so easy and stress-free. Their staff was very knowledgeable and always available to answer my questions." - John D.

"I was really impressed with the level of service I received from Sunstreet Lending. They went above and beyond to ensure that my loan closed on time." - Sarah K.

"Sunstreet Lending offered me the best rates and terms compared to other lenders I shopped around. I'm so glad I chose them for my mortgage needs." - Mark T.