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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.

See Our Process
*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

OUR MOTTO/MISSION:
START WITH THE CUSTOMER AND WORK BACKWARDS!

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!
  • Calvin & Linda B., Tucson, AZ

    rate
    13 Mar 2017

    We chose Sun American because Parker Turk explained everything so...

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  • Timothy & Audrey C., Mesa, AZ

    rate
    13 Mar 2017

    Sun American was great to work with! Both Parker Turk...

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  • Jeffrey & Robin S., Flagstaff, AZ

    rate
    13 Mar 2017

    Rex Duffin and his staff are terrific to work with...

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  • Stefanie V., Kingman, AZ

    rate
    13 Mar 2017

    They were great! Our loan process went smoothly and our...

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  • Michael & Susan C., Dolan Springs, AZ

    rate
    10 Mar 2017

    Sun America mortgage (Thank you Tracy McCutchan!) was instrumental in...

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  • Donald S., Phoenix, AZ

    rate
    10 Mar 2017

    I can't say enough great things about the Sun American...

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  • Monty & Christine B., Gilbert, AZ

    rate
    13 Mar 2017

    Mary Vrana, Tracy McCutchan and Suzie Perry are an excellent...

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  • Mark T., Kingman, AZ

    rate
    13 Mar 2017

    Mary Vrana treated me liked I was her only customer...

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  • William H., Mesa, AZ

    rate
    27 Mar 2017

    Pleasure doing business with Sun American Mortgage.

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  • Andrew & Judith C., Goodyear, AZ

    rate
    27 Mar 2017

    Dan Frey & Christina Maxwell were amazing to work with....

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  • Brandon & Jennifer W., Kingman, AZ

    rate
    27 Mar 2017

    We were very pleased with Sun American Mortgage.  Best &...

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  • Amanda & Christopher P., Florence, AZ

    rate
    27 Mar 2017

    Mary Vrana was outstanding! We felt like we were in...

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  • Michael & Rita A., Riverton, WY

    rate
    13 Mar 2017

    This was a very professional loan application.  It was smooth...

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  • Gary B., Pearce, AZ

    21 Mar 2017

    Thank you, you did a great job!

    read more
  • John T., Tempe, AZ

    rate
    08 Mar 2017

    Working with Tracy McCutchan was a breeze.  She was patient...

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  • David & Annette W., Alexandria, MN

    rate
    08 Mar 2017

    Excellent job by Mary Vrana and her entire staff.

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  • Mark & Monica H., Mesa, AZ

    rate
    06 Mar 2017

    Mark and I have a new house! I want to...

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  • Mark & Monica H., Mesa, AZ

    rate
    06 Mar 2017

    Mark and I have a new house! I want to...

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  • Timothy P., Kingman, AZ

    rate
    28 Feb 2017

    I wasted 3 weeks working with another mortgage company and...

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  • Monica M., Mesa, AZ

    rate
    27 Feb 2017

    I am beyond pleased with the excellent work and service...

    read more
  • Charles & Cheryl M., Scottsdale, AZ

    rate
    24 Feb 2017

    Parker Turk did a great job and answered all questions...

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  • Anna A., Chandler, AZ

    rate
    24 Feb 2017

    Parker Turk is a very kind man, first and foremost....

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  • Valerie C., Kingman, AZ

    rate
    06 Mar 2017

    You ladies are awesome!! Thanks for the blessings on my...

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  • Charles & Diane Dahlin, Overgaard, AZ

    rate
    06 Mar 2017

    I met Dallin Law 20+ years ago and he and...

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  • Sarah F., Chandler, AZ

    rate
    06 Mar 2017

    `Excellent service by Mary Vrana and her team!  We did...

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  • Joseph & Linda S., Scottsdale, AZ

    rate
    08 Mar 2017

    Parker Turk explained and answered ALL questions at 1st meeting....

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  • Alex F., Maricopa, AZ

    rate
    06 Mar 2017

    `I will refer everybody to Sun American Mortgage because I...

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  • Dale & Elizabeth T., Sun Lakes, AZ

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    06 Mar 2017

    I will recommend Sun American to my friends.

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  • Kristine G., Show Low, AZ

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    06 Mar 2017

    I am grateful to be able to do this Reverse...

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  • Jeffrey & Jacqueline E., Kingman, AZ

    rate
    27 Mar 2017

    Was a wonderful experience.  Very smooth.  Best service ever!

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  • Robert & Janet W., Mesa, AZ

    rate
    27 Mar 2017

    We had a very good experience with Sun American Mortgage...

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  • Elizabeth H.

    rate
    24 Apr 2017

    The problem I had in obtaining a reverse mortgage was...

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  • Michele K

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    25 Apr 2017

    I felt everyone was very professional and tried to help...

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  • Dan & Mary T., Overgaard, AZ

    rate
    12 Apr 2017

    Dallin Law and Corrine Yarbrough were so helpful guiding us...

    read more
  • Dan & Mary T., Overgaard, AZ

    rate
    12 Apr 2017

    Dallin Law and Corrine Yarbrough were so helpful guiding us...

    read more
  • Elizabeth H., Wickenburg, AZ

    rate
    12 Apr 2017

    Parker Turk was wonderful to work with.  He jumped through...

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  • Donald S., Phoenix, AZ

    rate
    12 Apr 2017

    Derek Hargrove and team were great! I will refer them...

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  • Barb H

    rate
    25 Apr 2017

    I had a difficult situation, selling my house and applying...

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  • Lance T

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    11 May 2017

    I highly recommend Sun American Mortgage. There were several bumps...

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  • Aaron C

    rate
    17 May 2017

    What a great experience to work with Rex, Scott, and...

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  • Roger Russell, Scottsdale, AZ

    rate
    25 May 2017

    Recently had Sun American Mortgage Co. help me with a...

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  • Monica M

    rate
    17 May 2017

    I am beyond pleased with the excellent work and service...

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  • Lee C

    rate
    17 May 2017

    We were a hard case credit wise. We literally hit...

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  • Chad Heywood

    rate
    15 May 2017

    Dan Frey and his team did a great job on...

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  • Ashlie B

    rate
    15 May 2017

    We were referred to Sun American Mortgage by a friend...

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  • Allison & Craig B., Gilbert, AZ

    rate
    12 Apr 2017

    Marc Trejo was fantastic!

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  • Timothy & Connie O., Mesa, AZ

    rate
    12 Apr 2017

    Linda Lipovsky was great to work with.  She is very...

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  • Marcia B., Sun City, AZ

    rate
    03 Apr 2017

    I could not be happier.  Parker Turk was just wonderful....

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  • Roger V., Mesa, AZ

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    03 Apr 2017

    I'm very satisfied with Sun American Mortgage Co.  Everything was...

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  • Dwayne S., Kingman, AZ

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    27 Mar 2017

    Good, professional and courteous service. Will definitely recommend.

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  • Merle B., Mesa, AZ

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    28 Mar 2017

    Very professional, prompt, helpful and we were always well informed...

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  • Jackie M., Scottsdale, AZ

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    03 Apr 2017

    Super professional staff who makes sure all your questions and...

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  • Orlando G., El Mirage, AZ

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    30 Mar 2017

    Dan Frey definitely made this a great experience. Anyone looking...

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  • Monica M., Mesa, AZ

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    03 Apr 2017

    We had the BEST experience working with Dallin Law and...

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  • Robert & Sara B., Lakeside, AZ

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    03 Apr 2017

    Rex Duffin was great.  Such a nice person.  I feel...

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  • Johnna T., Kingman, AZ

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    05 Apr 2017

    Awesome experience. Mary Vrana, Tracy McCutchan and all the ladies...

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  • Korin M., Kingman, AZ

    rate
    05 Apr 2017

    Mary Vrana and her team did a wonderful job helping...

    read more
  • Johnna T., Kingman, AZ

    rate
    05 Apr 2017

    Awesome experience. Mary Vrana, Tracy McCutchan and all the ladies...

    read more
  • Allison B., Gilbert, AZ

    rate
    05 Apr 2017

    Marc Trejo was very informative and helped us along the...

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  • William & Cheryl C., Mesa, AZ

    rate
    03 Apr 2017

    Linda Lipovsky was great! She was a great help during...

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  • Kelly H., Maricopa, AZ

    rate
    24 Feb 2017

    I had a great experience! Everyone was nice, fast and...

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  • Steven & Karen K., Goodyear, AZ

    rate
    24 Feb 2017

    Mary Vrana and Tracy McCutchan and staff were very helpful...

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  • Erica C.

    07 Nov 2016

    Marc Trejo and his team were amazing!!! Very easy online...

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  • Kara C.

    07 Nov 2016

    Thank you Mary Vrana and team for a smooth and...

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  • Katiana F.

    02 Nov 2016

    Mary Vrana and her team were great! They were always...

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  • Michael Krenz

    rate
    14 Dec 2016

    Keeping in contact and communication is excellent I've already been...

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  • Jeffrey S.

    28 Oct 2016

    I am very happy with my experience with Sun American...

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  • Peter M.

    29 Oct 2016

    Being self employed and obtaining a mortgage loan, let alone...

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  • Wesley T.

    07 Nov 2016

    Everyone on Mary Vrana's team was extremely helpful. I enjoyed...

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  • William & Janet K.

    07 Nov 2016

    Dallin Law and Corrine Yarbrough were wonderful!  Great to work...

    read more
  • Scott L.

    15 Nov 2016

    Mary Vrana, Suzie Perry and Tracy McCutchan work very well...

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  • Juan S.

    16 Nov 2016

    Dallin Law and Corrine Yarbrough are PROFESSIONALS in their field! The...

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  • Vaughn & Linda H.

    14 Nov 2016

    Parker Turk was very knowledgeable and pleasant! He was always...

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  • Marilyn C.

    14 Nov 2016

    Parker Turk was super!

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  • James & Adelaida C.

    14 Nov 2016

    We appreciate the good service Mary Vrana provided.

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  • Betty Ann G.

    14 Nov 2016

    Great staff.  Parker Turk was very nice to work with....

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  • Dennis & Margaret S.

    27 Oct 2016

    Parker Turk provided a professional and organized process.

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  • Debra Lynn C.

    26 Oct 2016

    Record breaking speed!  I cannot thank Mary Vrana enough!

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  • Maloree D.

    11 Oct 2016

    I was really nervous about even starting the refi process...

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  • Robert W.

    13 Oct 2016

    Will Workman was excellent to work with, great guy!

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  • Sheri P.

    11 Oct 2016

    Will Workman, Scott Simonson and staff did a wonderful job...

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  • Maloree C.

    14 Dec 2016

    Very painless and positive experience!! Derek Hargrove and his associates...

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  • Adam Gura, Gilbert, AZ

    rate
    06 Oct 2015

    Working with Rachelle was a terrific experience! She knows her...

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  • Alanna Bernacchi, Phoenix, AZ

    rate
    14 Oct 2015

    My experience with Rachelle was fantastic! She made the whole...

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  • Anna R.

    11 Oct 2016

    Dallin Law and staff were very knowledgeable and consistent.  They...

    read more
  • Josh B.

    15 Oct 2016

    My experience with Sun American was EXCELLENT!  Dan Frey was the...

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  • Jacob & Denise F.

    21 Oct 2016

    Very pleasant experience working with Mary Vrana!  Would not say...

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  • Jason T.

    21 Oct 2016

    Dallin Law was our Loan Office, and Corrine Yarbrough helped...

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  • Carol C.

    20 Oct 2016

    Sun American Mortgage was a pleasure to do business with....

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  • Thomas W.

    18 Oct 2016

    Sun American Mortgage was a pleasure to do business with....

    read more
  • Elona R.

    18 Oct 2016

    Parker Turk was extremely professional. 

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  • Ned & Lydia S.

    18 Nov 2016

    Parker Turk is a quality person and we like him...

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  • Leif & Debra E.

    21 Nov 2016

    My experience with Sun American Mortgage was very pleasant. If...

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  • Leah T., Mesa, AZ

    rate
    26 Jan 2017

    Dallin Law's team at Sun American is amazing! Would highly...

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  • Mitch M., Maricopa, AZ

    rate
    01 Feb 2017

    Great experience and great help. Very professional people. Thank you.

    read more
  • Daniel & Julia L., Mesa, AZ

    rate
    30 Jan 2017

    Mary Vrana and her staff were so patient with us...

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  • Jimmy & Colby T., Gilbert, AZ

    rate
    27 Jan 2017

    Tracy McCutchan and Mary Vrana are amazing! Not only did...

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  • Diane T., Kingman, AZ

    rate
    24 Jan 2017

    I don't know any of the other agents, but I...

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  • Jeff D., Golden Valley, AZ

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    27 Jan 2017

    Fantastic, great service. Great experience working with Sun American. Thanks...

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  • Virgilio D., Claypool, AZ

    rate
    06 Feb 2017

    It was a pleasure to work with Dallin Law and...

    read more
  • Charles & Jan G., Mesa, AZ

    rate
    06 Feb 2017

    We felt at ease with Rex Duffins' visit and we...

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  • Henry & Stanellen L., Kingman, AZ

    rate
    24 Feb 2017

    Mary Vrana was knowledgeable and polite.  Her staff was polite...

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  • Jeffrey D., Golden Valley, AZ

    rate
    24 Feb 2017

    No problems whatsoever.  Nice, smooth transaction.  Thanks Mary Vrana!

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  • David H., Mesa, AZ

    rate
    23 Feb 2017

    Great experience. Dan Frey knows his stuff!

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  • Thomas & Carrie B., Mesa, AZ

    rate
    06 Feb 2017

    We were super happy with our experience with Dan Frey....

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  • Scott D., Kingman, AZ

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    06 Feb 2017

    Mary Vrana was great. Thank you.

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  • Billy R., Kingman, AZ

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    06 Feb 2017

    Mary Vrana and her staff are a God send -...

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  • Ann F., Kingman, AZ

    rate
    23 Jan 2017

    Mary Vrana was an absolute pleasure to work with.  The...

    read more
  • Timothy & Nicole L., Mesa, AZ

    rate
    23 Jan 2017

    Derek Hargrove and Christina Maxwell were great to work with....

    read more
  • Jonathan C.

    06 Dec 2016

    The whole experience with Sun American was excellent! Working with...

    read more
  • T. Harrison

    20 Dec 2016

    I closed on my loan today and I want to...

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  • James W.

    05 Dec 2016

    Outstanding job by Mary Vrana and her staff.

    read more
  • Gail H.

    24 Nov 2016

    Rex Duffin and his whole team made buying my new...

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  • Jenner K.

    21 Nov 2016

    Rex Duffin and Scott Simonson were amazing and truly made...

    read more
  • Barbara S.

    21 Nov 2016

    Linda Lipovsky was wonderful.  She was always available to answer...

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  • Diane Torres, Kingman

    rate
    23 Jan 2017

    Words cannot express how I feel about Mary. She was...

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  • Wendy K., Kingman, AZ

    rate
    18 Jan 2017

    Sun American Mortgage did an excellent job funding and closing...

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  • Steven & Illa A., Rio Verde, AZ

    rate
    23 Jan 2017

    Parker Turk did a great job, was very knowledgeable, informative,...

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  • Joshua & Amy G., Gilbert, AZ

    rate
    23 Jan 2017

    Wonderful experience!

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  • Denis & Sigrid E., Scottsdale, AZ

    rate
    19 Jan 2017

    Parker Turk is outstanding and he even tried to help...

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  • Tylena H., Albuquerque, NM

    rate
    18 Jan 2017

    Parker Turk and his staff were absolutely terrific during the...

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  • Chris P., Chandler, AZ

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    18 Jan 2017

    Derek Hargrove and his team was AMAZING!!! From Day 1,...

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  • Adam, Mesa, Arizona

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    08 Mar 2016

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

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