Get ready to experience the easiest home loan mortgage process ever.
Your home loan experts in Arizona, Utah, California, New Mexico.
Match your Budget with
the Perfect Home
Tell us what you can afford and we’ll show you what’s possible
Standing Strong Since
Since 1984, we have strived to build a company that people can rely on and trust. We take pride in creating an experience that is Easy, Fast and Memorable! We are your home loan experts in Arizona, Utah, California, New Mexico with a 5 Star Rating! Nothing is more gratifying than knowing we are helping people with one of the most important decisions in their lives – their home.
OUR MOTTO/MISSION: WE CHANGE LIVES, ONE HOME AT A TIME!We Are Your Go-To Home Loan Mortgage Lender! These days with so many government regulations, getting a home loan can be stressful. That is why we have put together the strongest, most effective Home Loans process in the market. Our mortgage loan process takes you through step-by-step, with consistent communication, so you know what is going on every step of the way. One of the biggest reasons we are able to provide the service that is unmatched, is that most of our employees have worked here for 15 years or more. We have several that have hit the 20 year mark! We know how to make this a great experience for you. Meet our staff. Whether you’re trying to secure a Arizona mortgage, Utah mortgage, California mortgage, we can help you. We’ve been rated one of top local mortgage lender for over 35 years. Here is our step-by-step process that makes your mortgage loan simple: Step 1: Loan Pre-Qualification/Pre-Approval Our certified Loan Officers are the best in the business among mortgage lenders. They will work with you in the beginning stages of your home loan to help you see what your mortgage payment could be based on your current income, assets and debts. You can use our easy online mortgage payment calculator to find out initially what your payment could be. In this step they will go over a simple loan application and collect any documentation they need to ensure they give you an accurate pre-approval letter. Complete our simple online pre-qualification form today! Key factors that make up a solid pre-qualification letter:
- Solid 2 years of income
- Stable job history
- Low Debt-To-Income Ratios
- Solid assets in the bank/investments
- Good Credit Score (Ranging from 680-730+)
- No bad credit history…i.e. collections, derogatory accounts, BK, Foreclosure
- Easily be able to verify all the above with good supporting documentation
- Order the appraisal
- Order title on property
- Order insurance on the property
- Verify income, assets, and all other documentation (There are many steps involved with this that you may not see)
- Scrub through your credit report and verify any trade that needs to be updated or requires more information.
- Review all documents that come back in, appraisal, title and insurance.
- Scrub entire application and make sure everything is all in order.
- Based on the loan type, either Conventional, FHA, VA or USDA, many other items need to be reviewed and scrubbed.
- Reviewing entire loan file in addition to what was done in Processing
- Reviewing and double checking income, assets, credit, funds needed to close, etc…
- Verifying that the loan program meets Conventional, FHA, VA, USDA guidelines.
- Verifying investor programs for any additional guidelines.
Here are some quick links around our site: Home Loan Purchase Home Loan Refinance Home Loan For Reverse Mortgage mortgage broker vs direct lender mortgage lender vs bank mortgage broker vs bank vs credit union what is the difference between a mortgage company and a bank what does a mortgage broker do for you
Arizona is set to be one of the top housing markets in the country. There’s never been a better time to purchase or refinance your home. You can use our mortgage calculator Arizona and find out exactly what your payment could be. Then you can contact us and start your streamlined application. We’ll help you see that we are one of the top mortgage lenders with the best mortgage interest rates.
If you’re a First Time Home buyer, there are many first-time home buyer grants in Arizona and Utah that will help you get into your first home loan.
Here are some of the home loan down payment assistance programs that we offer:
Arizona Home In 5
Home Plus home loan program
Pathway to Purchase Arizona
These programs offer great assistance with first time home buyers with their down payment on a new home purchase. There are some restrictions, so be sure to contact us so we can go over all the details of each program to see what makes sense for you.
Contact us today to learn more about these great down payment assistance programs for Arizona residents. 480-832-4343
Ready to find your next Arizona home?
Changing Lives One Home at a Time
Hi, I'm Mary
I’m a professional Loan Consultant with over 27 years of experience. There isn’t a scenario I haven’t seen or realized. Let’s connect today and see what’s possible! 🙌🏼
Hi, I'm Becky
I love living in Southern Utah with my husband, son and our dog. LOVE hiking in the beautiful red rocks, running, and yoga. I’m looking forward to helping you for years to come with financing solutions tailored to you!
Hi, I'm Dallin
Experience is one of the most important things you need in a loan officer when choosing the financing for your home (and that’s what I’ve got!) Some even call me the Superman of Home Loans 😉
Hi, I'm Parker
Not many mortgage professionals are CPA’s. I bring that extra level of financial expertise to each transaction to ensure you and your family is making the best decision to meet your goals. 👊
Hi, I'm Derek
I have a strong passion to help people realize the value of homeownership through a purchase or refinance. Let’s connect today and see what’s possible! 😃
Hi, I'm Marc
I pride myself in being reliable and motivated to make sure you are coached through this process and that the experience is one you will appreciate. In my spare time, I love spending time with my family and watching sports movies!
Hi, I'm Rex
I’ve been in the mortgage industry since 1978 and love to fly across Arizona in my single engine airplane to help various consumers learn and obtain a reverse mortgage. Give me a call today!
Hi, I'm Linda
I’ve been with Sun American Mortgage since 1987 and have always been committed to providing customers with mortgage services that exceed their expectations. I’d love to help you!
Hi, I'm Nan
I am a mother of 8 children and grandmother of 9. When I am not in the office and helping clients find their best mortgage options, I teach yoga, love to hike Angel’s Landing, and spend time outdoors with my friends and family.
Have you heard?
We make getting a Home Loan
We Don't Just Help You With a Home Loan Mortgage,
We Leave an Impression!
Highly recommend them for your home loan. Great people and extremely helpful when needing answers on things you…
My husband and I were so impressed by Sun American’s hard work and diligence on getting our home loan closed in our tight time…
This was my first time buying a home, and my first multi family purchase. Sun American was extremely helpful and provided the best mortgage interest rate…