Buying a new home or refinancing an existing one? Sun Federal CU is here for you!
Imagine what it’s like to turn the doorknob and cross the threshold of your house for the first time. Picture designing, decorating and filling your home with your own personal style. Envision what it will be like to build your life within four walls you can call your own.
We’ll work one-on-one with you to ease your mind and expedite the process. Our goal is to help you get settled with a comfortable mortgage, and as quickly and painlessly as possible.
Visit our mortgage loan website and explore all your options, review available rates, and learn more about home buying. While you’re there, check out our easy, step-by-step online mortgage loan application where, in just a few clicks, you’ll be on your way to a new set of keys.
We want you to feel comfortable with your mortgage. That’s why we have many loan options available to you. It’s important to do a little research and familiarize yourself with the types of mortgages before moving forward.
Need help deciding which option is right for you? Contact one of our friendly Loan Officers. They’re here to help you.
A fixed rate mortgage is a simple option. With this type of loan your payment and interest rate will never change throughout the life of your loan. Learn more
An adjustable rate mortgage (ARM) offers you a lower interest rate and monthly payment at the beginning of your loan. Over time, though, your rate and payments may change. Learn more
When you need to borrow a larger amount of money in order to get your home, a jumbo loan from Sun Federal may be a good option. Learn more
Have a unique circumstance? Sun Federal offers several unique loans – including balloon, FHA, VA and many others. Learn moreCall a Loan Officer Email a Loan Officer
At first, buying your home and the mortgage process may seem scary. It’s our goal to make this experience as wonderful and easy for you as possible. So where to begin? Start by gathering the documents on our Purchase Checklist, then follow the three steps below.
Now that you've gathered what you need, it’s time to take the plunge! Feeling confident? Apply for a mortgage online. Need guidance through the application process? Call or email Sun Federal to schedule time with a loan officer at any of our branches. We’re ready to help you through it all!
Once your application is submitted, there will be underwriting of the property and your loan application information. With this step, you’ll also find out if there is any information or additional documentation needed.
"Closing" refers to that glorious day when the property becomes yours. It’s the process where ownership is transferred from one person to another. You’re ready to sign the loan documents, send them to escrow, and start packing!More Info: The Home Buying Process
To help you along your path to homeownership and right up to your new front door, use our home-buying and mortgage resources.
Figure our how much you will have to pay for that house each month.
Is there a "Refi" in your future?
Are you the kind of person who doesn't like surprises? Then take a look at these calculators.
Mortgage Loan Calculator (PITI)
Determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Qualifier Calculator
Can you buy your dream home? Find out just how much you can afford!