Simple, Fast Service.
Mortgage Process Overview
For many people, one of the biggest challenges of obtaining a mortgage is the lack of understanding of how the mortgage process works. Our knowledgeable and experienced mortgage professionals are ready to guide you through every step of the way, and they will be here to answer any questions you may have regarding your mortgage. Whether you are a first time home buyer, a homeowner looking to lower your payment or improve your home, a property investor, someone interested in a vacation home, or looking for more financial security with a reverse mortgage, we will be here to educate, prepare, and walk you through the entire process so that you will be required to do as little work as possible, except for taking that first step in giving us a call.
Together, one of our loan experts can help examine your finances and discuss what your goals are, then we can determine what kind of loan or loan option will better suit your needs. Our licensed loan officers are available to counsel you and to help you make one of the most important financial decisions of your life. During the consultation process, we will not only discuss your loan amount qualification, but will also guide you to a loan that is an optimal fit for your overall financial situation.
We also encourage you to further explore our Borrower Resources section to learn more as it contains tools and information that will better prepare you in acquiring your home.
Choose Your Loan and Look For Your Home
Choose a mortgage for your home. We offer a complete line of mortgage products to suit your needs. Please visit our Loan Programs page to find out which loan option is the best for you. If you have not already decided on a loan or are having trouble deciding, one of our loan experts will work closely with you in choosing the loan option that is the “right fit” for you and your property type. We understand that there are many variables involved in making your decision, and we will continue to work with you in the process, and remember, Sun West Mortgage Company is a full-service mortgage provider and a direct lender, and you will not be dealing with a middle party when it comes to your loan.
Before you start shopping, you should choose to get pre-qualified or pre-approved. With either option, you will be saving time in your search by finding out what you can afford. Please visit our Pre-Qualification vs. Pre-Approval page to learn more about the pre-qualification and pre-approval options.
You Found Your Dream House, What’s Next?
You are almost there! Now it’s time to submit your application. If you have been pre-approved, you are already half way there. Once you have submitted your application along with all of your required documents, Sun West Mortgage Company will request the necessary appraisal on your selected property. Once your property is appraised, we will then issue you a conditional approval. Choose a closing date for your loan, and we will work closely with our teams round-the-clock to make this happen as quickly as possible. Remember, Sun West Mortgage Company is a full-service direct lender where everything is done in-house; that means our processing, underwriting, and funding teams will work closely together to close your loan so that you can start planning to move into your new home.
And Congratulations, you have acquired your loan and are ready to pick up the keys to your dream home for you and your family! If this sounds easy, that’s because it is. We know the stress that may come with buying a home, that’s why Sun West Mortgage Company is dedicated to get all the complexity out of your way so you can sit back and wait for the good news. Still more questions? Don’t hesitate to call (787) SUN-WEST!
What You Can Expect From Our Fast Approval Process…