sunsoft Login   3rd Party Services   Resolve Loan Conditions   My Account   Loan Calculators   Contact SWMC  
Apply Now! Apply Now!    
  Broker 2 Banker   
Apply Now!
  Reverse Mortgage     Multifamily Lending     Wholesale Lending     Correspondent Lending
Like us on Facebook Follow us on Twitter Follow us on LinkedIn!  
Home
My Account
Testimonials
Purchase or Refinance
Current Turn Times
Press Releases
Lender Alerts
Market Commentary
Resolve Loan Conditions
Careers
Direct-to-Management

Purchase or Refinance

Refinance, Cashout, Reverse Mortgage and More..
Go Back - Home > Purchase or Refinance
  Purchase | Refinance | Home Improvement | Avoiding Foreclosure
Loan Officer Image

Whether you are a first-time home buyer or would like to take advantage of current interest rates to reduce your monthly mortgage payment, Sun West's mortgage loan originators are always here to help you. Our loan officers will help you evaluate your specific situation enabling you to make the right decision.

As a full service mortgage bank, Sun West offers you a variety of loan programs that allow you to choose what is best for you. Whether you are working with one of our mortgage loan officers or through one of our broker partners, Sun West is committed to ensuring that you obtain a mortgage that is affordable. For instance, in case of a refinance, we will analyze the mortgage transaction to ensure that there is a positive benefit to you by way of a reduction in payment and/or you receive cash that you may use to consolidate debts or for that renovation project you would like to have done.

In most cases, an FHA (Federal Home Administration) program would be most suitable. If you are a veteran you may be able to take advantage of VA benefits for a purchase or an interest rate reduction refinance program from the Department of Veteran Affairs. For borrowers who meet certain maximum income limits in rural zone may qualify for loan programs guaranteed by the USDA-RD (United States Department of Agriculture - Rural Development).

Use our Loan Calculators to estimate monthly payments, affordability, or your refinance options. There are a number of ways to approach an affordability analysis, and these calculators allow you to assess the effects of different variables when buying a home.

Our senior homeowners aged 62 and older may choose to consider a reverse mortgage insured by the FHA as a means to pay off a mortgage and/or convert the equity in their homes to a positive cash-flow. This mortgage is also commonly referred to as the Home Equity Conversion Mortgage (HECM, pronounced as heckum). As a borrower, you retain title to your home while benefiting from the equity in your home. Click here to estimate how much mortgage you may be able to obtain through a Reverse Mortgage.

Current Sun West borrowers (non-HECM) may login and view their current account statements.

Click here to view a short video tutorial on how to avoid mortgage fraud. This video shows the most common red flags to watch out for when applying for a loan or a mortgage modification.

Watch this short video before you plan to use services or apply for a service to 'fix' poor credit. The video will educate you on ways to protect yourself from credit repair fraud.

Click here to read an article on Affinity Fraud. This article will provide an overview of affinity fraud and tips for avoiding this scam.

Submit
Submit
Submit
left bottom white round edge   right bottom white round edge
left wholesale round corner right wholesale round corner
fade left bar Our National Lending Reach fade right bar
Equal Housing Opportunity Logo Fannie Mae Logo Freddie Mac Logo USDA Rural Development Logo USUD Logo Veteran Affairs Logo
Consumer Home Loan Mortgages

Consumer Home Loan Mortgages

SWMC offers a wide range of residential home loan mortgage programs to suit different situations such as a purchase, refinance, a property rehabilitation loan or a reverse mortgage at the competitive interest rates.

FHA Purchase at 96.5% Financing, Streamline (Interest Rate Reduction) Refinance, and Cash-Out Refinance, 203(k) Rehabilitation Loan, 203(k) Streamlined Rehabilitation Loan, and the Home Equity Conversion Mortgage (Reverse Mortgage) and USDA Rural Housing mortgages.

If you are a Veteran, Sun West offers you VA guaranteed mortgages for Purchase Loans at 100% Financing, Cash-Out Refinance, and Streamline Interest Rate Reduction Refinance Loans (IRRRL).

You can use our simple mortgage calculator tools to find out your monthly payment, the house you can afford, your refinance options, or the home equity you may be able to access through a reverse mortgage (HECM).

As a full-service mortgage bank, Sun West is one of the few approved direct lenders to provide in-house origination, processing, underwriting, closing, funding, and servicing. Based in California with active presence across the country, Sun West is dedicated to offering exceptional service coupled with integrity, reliability, and experience.

Read More About Consumer Home Loan Mortgages >>
 
Mortgage Partner Services

Mortgage Partner Services

You can become a partner with Sun West as a Wholesale Mortgage Broker or a Correspondent Lender. If you are a mortgage banker, ask us about our Warehouse Lending program.

In addition to residential mortgage lending, Sun West also offers FHA multifamily,commercial and portfolio lending services.

As a partner you have access to SunSoft - Sun West's state-of-the-art mortgage loan origination and servicing software. Built on over 30 years of lending and mortgage technology experience, SunSoft is compliant with federal and state requirements.

Sun West is approved by Ginnie Mae as an Issuer, Servicer and Participation Agent. This rare approval enables us to issue securities backed by the full faith and credit of the United States. Consequently, Sun West is able to offer its partners and borrowers the competitive interest rates in the market.

Read More About Wholesale Lending >>

Read More About Correspondent Lending >>
left white  bottom round edge right white bottom round edge
left white bottom round edge right white bottom round edge
top left white round edge top right white round edge
top left round white round edge top right round white round edge
Mortgage Loan Calculators

Loan Calculators

  • FHA Purchase Calculator
    Calculates the monthly mortgage payment for your home purchase loan, as per prevailing interest rates.
     
  • Reverse Mortgage Calculator
    Calculates and compares the available options for HECM products.
     
  • Monthly Payment
    Calculates your payment for different loan amounts, interest rates, and amortization terms.
     
  • How Much Can I Afford?
    Calculates your maximum mortgage loan amount based upon the monthly home loan payment, interest rate, and term that you enter.
     
  • Should I refinance?
    Just enter information about your current mortgage loan and the new loan you're thinking of taking, and we'll calculate your savings.

  • Estimated Cost for an appraisal
    Just enter basic information about the loan and property type, and we'll calculate the estimated cost of an appraisal.
 
Mortgage Partner Resources

Partner Resources

bottom left white round edge bottom right white round edge
bottom left white round edge bottom right white round edge
Press Releases

Press Releases

  • 08/20/2015: Sun West Mortgage Company, Inc. Named Million Dollar Lender by USDA Rural Development Read More..
     
  • 07/15/2014: Ivan 'Pudge' Rodriguez to Make His Debut at the 25th Annual American Century Golf Championship, Sponsored by Sun West Mortgage Company, Inc. Read More..
     
  • 07/1/2014: USDA Rural Development Names Sun West Mortgage Company, Inc. Lender of the Year Read More..
     
  • 04/28/2014: FHA 203(k) and PowerSaver Loan Offerings From Sun West Mortgage Company, Inc. Extended With New FHA PowerSaver 203(k) Program as a Single Home Improvement Solution for Homebuyers Read More..
     
  • 02/24/2014: Sun West Mortgage Company, Inc. Continues National Expansion Read More..
     
  • 07/23/2013: Sun West Mortgage Company, Inc. Offers Homeowners Access to the Hardest Hit Fund Relief in All Eligible States and D.C. Read More..
     
  • 05/15/2012: Sun West Mortgage Company Partners with EGIA to Introduce the FHA PowerSaver Loan Program Read More..
     
  • 12/16/2011: Sun West Mortgage Company and the Cerritos Sheriff Station team up to supply little boys and girls toys this holiday Read More..
     
  • 10/03/2011: Sun West Mortgage Increases Its Reach in New Jersey Read More..
     
  • 4/22/2011: Variable Servicing Margins on Different Participations of the Same Loan for HMBS Issuers Announced by Sun West Mortgage Read More..
     
View All Press Releases >>
 
Lender Alerts

Lender Alerts

  • 2/22/2017: Close more Loans: Reduced Overlay on Conventional Loans Read More..
     
  • 2/13/2017: Disaster reported by FEMA in the state of Louisiana Read More..
     
  • 2/13/2017: Presidents' Day Closing Notice 2017 Read More..
     
  • 2/1/2017: Disaster reported by FEMA in the states of Georgia and Mississippi Read More..
     
  • 1/10/2017: Martin Luther King Jr. Day Hours of Operation Read More..
     
  • 1/9/2017: Non-Agency Premium Loan Programs Read More..
     
  • 12/28/2016: Sun West’s Implementation of Truth in Lending (Regulation Z) ​Annual Threshold Adjustments Read More..
     
  • 12/23/2016: 2017 Loan Limits for Government Loan Programs Read More..
     
  • 12/23/2016: New Year's Holiday Hours of Operation Read More..
     
  • 12/20/2016: Holiday Season Hours of Operation Read More..
     
View All Lender Alerts >>
bottom left white round edge bottom right white round edge
bottom left white round edge bottom right white round edge
  Go Back to Top of Page
top left white round edge
top right white round edge
bottom left white round edge bottom right white round edge