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As a Mortgage Banker, we can offer a great variety of Refinance Mortgage programs and home mortgage rates in Arizona, California, Utah and New Mexico that will fit your needs. With our in-house processing, underwriting and funding, you can rest assured that your loan process will be handled with care! 

Close Your Mortgage Refinance Loan FAST!

home loan refinance

Since 1985, Sun American Mortgage has been helping home owners with a mortgage refinance. We have the mortgage process that makes the refinance process, SMOOTH, EFFORTLESS, STREAMLINED AND FAST!

We know life is busy and it's hard enough to manage all aspects of life. That's why we have put together a process and team that ensures your refinance mortgage is the best experience you've ever had. 


Conventional Refinance

If you have good credit, a steady income, and enough equity in your home, our Conventional Refinance loan programs offer great rates and faster closings in most cases. We also offer some of the lowest fixed 30 year mortgage interest rates in Arizona. So if you fall into this category and are ready to move forward, let's get started today! 

Conventional mortgages can have a fixed interest rate or an adjustable interest rate. Typical fixed-rate loans have a term of 30 or 15 years. However, Sun American Mortgage also offers 25-year, 20-year, and 10-year fixed-rate options. Conventional refinance mortgages require your home to have some equity to qualify for a refinance. We encourage you to let us show you how good our Arizona Mortgage lender home interest rates are today for a 30 year fixed! 

FHA Refinance

FHA mortgage refinance

If you don't think you could Refinance your house due to your credit score, or you simply do not have sufficient equity ... reconsider! The Federal Housing Administration (FHA) guarantees home mortgages that fit these sorts of circumstances, and Sun American Mortgage can certainly satisfy your demands. With adaptable certification standards, these FHA Refinance Mortgage program is specifically made to profit those that do not have ideal credit or the equity that might be needed on a standard refinance. So allow us to help! We have the lowest fixed 30 year mortgage interest rates in town!

There are 2 kinds of FHA Refinance choices, Traditional Refinance as well as Streamline.

TRADITIONAL FHA REFINANCE - This is the ideal alternative if you wish to draw some of your house's equity, reduced your rate, or, add/drop somebody from the title to the residential property.

STREAMLINE FHA REFINANCE - This is without a doubt one of the most usual of the FHA refinance choices. This permits you to refinance your residence with little demands. No evaluation, no income or asset confirmation, as well as no credit record is required. Just a 12 month sufficient mortgage settlement background is needed.

Just what are the demands for FHA Refinance?

FHA makes it fairly very easy to receive a refinance. For both a typical as well as streamline, you should presently have an FHA insured mortgage in order to refi. The refinance needs to cause a reduced month-to-month principal and interest payment for the consumer. You likewise have to have some equity in your house in order to acquire a refinance. Aside from that, it's a rather smooth procedure with FHA!

VA Refinance

VA Refinance

Backed by the U.S. Department of Veterans Affairs, VA Refinance financing is made in order to help active-duty military professionals refinance at a budget friendly expense. The VA refinance calls for no home mortgage insurance coverage, permits versatile standards in addition to numerous other benefits.

There are 2 sorts of VA Refinance alternatives, Cash-out Refinance and also IRRRL (Interest Rate Reduction Refinance Loan).

CASH-OUT REFINANCE - This is the excellent choice if you wish to draw some money out of your house's equity, reduced your rate of interest, or, add/drop a person from the title. Additionally, the cash-out refinance could be made use of to refinance a non-VA loan right into a VA loan.

IRRRL REFINANCE - This is without a doubt one of the most usual of the VA refinance choices. This permits you to refinance your house with hardly any needs. No evaluation, earnings or property confirmation, as well as no credit record is required. Just a 12 month satisfactory home mortgage payment background is called for. With the IRRRL, you could just refi an existing VA loan.

VA makes it reasonably simple to receive a Refinance. You should have some equity in your house in order to acquire a refinance. Apart from that, it's a rather smooth procedure with VA. So let's begin!

JUMBO Refinance Mortgage Home Loans

Can you say "JUMBO MORTGAGE REFINANCE!" Want the smoothest process in Refinance your luxury home? Or maybe you're striving to change some aspects of your home and now you need a larger loan amount to cover it. Regardless of your position, Jumbo Mortgage Refinance loans are derived for larger mortgage home loans...and we know Jumbo! Let's get stared!

A Jumbo refinance mortgage is a home loan volume that exceeds conforming loan limits dictated by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders. The restricted loan limit is $417,000 in most parts of the United States, but is $625,500 in the highest-cost of living areas and in-between in other states. We are among the top Arizona Mortgage Lender that offer great Jumbo Refinance programs. We are also among the lowest jumbo rates in town. 

Usually the factors that enable you to qualify for a Jumbo mortgage refinance are the same as a conventional refinance loan. Although, the down payment and credit worthiness requirements are not as flexible, because the risk is greater with bigger loan amounts.  

So Why Choose Sun American Mortgage To Be Your Arizona Mortgage Lender?

We understand how many choices you have out there to choose from. Here are top 3 reasons why you should highly consider refinancing with us!

1. We will close your loan FAST! 

We have put the right processes in place that make your experience SIMPLE, SMOOTH & FAST! Our smart Loan Application helps Accelerate your upfront work. We've streamlined the mortgage application process and we've made it super easy for you to complete and upload all your supporting documentation. You'll love it! TRY IT OUT TODAY HERE:

2. From Start To Finish, Your Loan Is Handled All In-House!

No doubt there is a lot of value that comes knowing that your personal refinance mortgage file is being handled in one location. We Process, Underwrite and Fund your loan right here in our Mesa, Arizona office.  Your Loan Officers knows everyone who touches your file. You can't beat that!

3. We Will Beat Any Other Local Mortgage Bank's Mortgage Rate!

WHAT?! Yep, that's right! We are committed to making sure you get the best mortgage interest rate in town. We will beat any other local mortgage bank's interest rate. How can you say NO to that? (We must have a valid and current loan estimate from a local mortgage bank. You must be able to qualify for the loan and meet all the expectations of the qualification guidelines. We will not compare to any online lenders or brokers.) What's the difference between a Mortgage Bank and Broker? Click Here! 

Let's get started with your Refinance Mortgage today! We are your Arizona Mortgage Lender, Utah Mortgage Lender, California Mortgage Lender & New Mexico Mortgage Lender!


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As a Mortgage Banker, we can offer a great variety of Refinance Mortgage programs and home mortgage rates in Arizona, California, Utah and New Mexico that will fit your needs. With our in-house processing, underwriting and funding, you can rest assured that your loan process will be handled with care! 

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Our Refinance Programs and Process

Close Your Mortgage Refinance Loan in 21 Days or Less!

For more than 30 years we’ve helped individuals, families and seniors just like you, refinance their home. Whether you’re looking to get a lower interest rate, pay off some unsecured debts, or get out of a less-than-favorable loan, the team at Sun American Mortgage Company is your best choice. We love working hard for our clients and we truly do care about YOU! 

But don’t take our word for it. See what some of our past clients have said. Read our reviews!


Let's Get Started Click Here

We know refinance...we've been doing it for 30 years!

Statistically, obtaining a mortgage is one of the most stressful things we will do (right after planning a wedding or having a child). That being said, with our in-house processing, underwriting and funding, our goal is to make your transaction as stress free as possible.

Sun American Mortgage Company performs for their clients!

  • STEP1

    Complete Application
    Applying with Sun American is so easy! Whether you prefer to apply online, come into our office, do a phone consultation, or have someone come to you, we’ve got you covered! 

  • STEP2

    Gather Your Information
    Don’t worry! We will give you a list of only what is necessary in order to obtain your loan approval. Generally we will need: W-2’s, paystubs, 2-year tax returns and bank statements.

  • STEP3

    Determine Qualification
    During this phase, our team will communicate with you every step of the way. We will analyze your credit report and your home appraisal, as well as determine your qualification based on your credit, income and assets. 

  • STEP4

    Submit Loan For Approval
    Our Underwriters are knowledgable, experienced and dedicated to every loan! Our standard turn-around time is 24 hrs, and we work hard to uphold that level of service.

  • STEP5

    Ready To Close
    Congratulations! You’ve made it! Our closing team is one of the best in the valley. They will prepare your documents and have everything ready for you to sign at the title company. Don’t worry, you’ll only have to sign your name ONE MILLION times! So bring a good pen. 🙂

  • STEP6

    Refer Us To Your Friends
    There’s no better compliment you could give than to refer us to your friends and family. Referrals are the backbone of our 30 years of success in mortgage lending.

Let's Get Started Click Here

Calculate Your Potential Payment

We understand how important it is to your budget to make sure you have a payment you can afford. Calculate your potential payment using our simple mortgage calculator.
Click the button below and fill out the form, and one of our seasoned Loan Officers will call to discuss the next steps!
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


98% Satisfaction Rate!
  • Karri O

    10 May 2019

    Great people to work with, very attentive and helped me through...

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  • Fred D

    01 Nov 2017

    I couldn't be happier with Mary Vrana, Tracy McCutchan and...

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  • Maddy C

    25 Oct 2017

    Amazing experience! I’m a single mom with a single income...

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  • Donna R

    29 Oct 2017

    I was very impressed on their efficiency, immediate help, answering...

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  • Walt Craig

    05 Oct 2017

    The Sun American Mortgage and Mary Vrana's team did a...

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  • Carrie P

    25 Oct 2017

    My husband and I just bought our new home and...

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  • Rafael C

    27 Oct 2017

    As always Derek Hargrove and his team has come through...

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  • Betty R

    28 Sep 2017

    Parker Turk is a wonderful person.  He took great care...

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  • David B

    29 Sep 2017

    As far as mortgage transactions go, this one was relatively...

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