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Choose an option below to begin your mortgage application online. To complete the process, you will need personal information for each applicant. If you are refinancing, you'll also need property information!

Learn More About Sun American

Since 1934, we’ve remained true to our values of relationship banking and commitment to our customers. We’re proud to have grown from serving the needs of one small community to helping businesses and individuals throughout the region. We value personal relationships over financial transactions and are actively involved in the communities we serve. Most importantly, we treat our customers and employees like family. That’s the South State Way.

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*All mortgage loans are subject to credit approval.

This is not an offer to enter into a loan agreement. Not all customers will qualify. Information, rates,
and programs are subject to change without notice. All products are subject to credit and property
approval. Not all products are available for all loan amounts. Other restrictions and limitations apply.
Sun American Mortgage Company NMLS #160265 | AZ-BK #7548


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 Arizona 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 here.

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. They will work with you in the beginning stages of your Arizona home loans 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:

  1. Solid 2 years of income
  2. Stable job history
  3. Low Debt-To-Income Ratios 
  4. Solid assets in the bank/investments
  5. Good Credit Score (Ranging from 680-730+)
  6. No bad credit history…i.e. collections, derogatory accounts, BK, Foreclosure
  7. Easily be able to verify all the above with good supporting documentation

Step 2: Process Your Mortgage Loan File

In this step, your Loan Officer’s highly trained assistant, as well as our highly trained mortgage loan processors, will scrub through your file thoroughly to ensure they get everything needed before your loan goes into Underwriting. There are many behind-the-scenes steps that are taken in this stage of your loan file to ensure all aspects of what is required is covered. 

Here are just some of the steps taken in this stage of your loan.

  1. Order the appraisal
  2. Order title on property
  3. Order insurance on the property
  4. Verify income, assets, and all other documentation (There are many behind-the-scenes steps involved with this that you may not see)
  5. Scrub through your credit report and verify any trade that needs to be updated or requires more information.
  6. Review all documents that come back in, appraisal, title and insurance. 
  7. Scrub entire application and make sure everything is all in order. 
  8. Based on the loan type, either Conventional, FHA, VA or USDA, many other items need to be reviewed and scrubbed. 

Step 3: Underwriting of Your Mortgage Loan File

This is where the rubber hits the pavement! Our Underwriting team is one of the strongest in the business. Most of our staff have been working for Sun American Mortgage for 15 years or greater. They are highly trained and are extremely committed to helping all our clients achieve their home ownership goals. The list below doesn’t do justice to all that is involved to properly Underwrite your loan. Just know, there are many hard-working hours behind the successful Approval of your Arizona home loans. 

Here are just some of the steps taken in this stage of your loan.

  1. Reviewing entire loan file in addition to what was done in Processing
  2. Reviewing and double checking income, assets, credit, funds needed to close, etc…
  3. Verifying that the loan program meets Conventional, FHA, VA, USDA guidelines. 
  4. Verifying investor programs for any additional guidelines. 

Step 4: Preparing Your Arizona Home Loans For Signing

Double check, double check and double check again. The amount of documentation in your loan file at this point is about 4-5 inches thick! It’s a lengthy process to ensure all the “i’s” are dotted and “T’s” are crossed.

Step 5: Funding Your Arizona Home Loans

For you as a borrower, this is a great day where you can relax and begin to enjoy your new loan/house. For us, the work still continues on your file to ensure everything is all in order per the guidelines/investors.  Many hours are spent with our Closing team to ensure all is done correctly and everything is taken care of. 

98% Satisfaction Rate!
  • Adam, Mesa, Arizona

    08 Mar 2016

    We loved working with Dan. He always kept us up...

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  • Jason Q

    06 Oct 2018

    This company is second to none! Derek Hargrove and his...

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  • Jason G

    05 Nov 2018

    Go with Derek! You'll be glad you did.  Our first...

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  • Bridgett M

    06 Nov 2018

    Sun American Mortgage is superb!  Mary Vrana and her team...

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  • Jonathan H

    09 Nov 2018

    I've used these guys three times now and it has...

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  • Jes W

    09 Nov 2018

    This incredible group of people made buying my first home...

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  • Martin K

    13 Nov 2018

    I had a wonderful experience with Tracy McCutchan. She was...

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  • Hayley A

    14 Nov 2018

    Derek Hargrove helped us with our loan 3.5 years ago...

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  • Nick C

    23 Oct 2018

    Mary Vrana and her team have gone above and beyond...

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