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480 - 832 - 4343
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WE KNOW PURCHASE!

If you're in the market to purchase a home in Arizona, Utah, California or New Mexico, then you're in LUCK! We've got some of the best rates, programs and service in the industry! We know that might sound kind of arrogant, but when you've been doing this for over 30 years in one of the most volatile markets known in history since the Great Depression, we are confident that we can meet your expectations. We know you'll be extremely satisfied with the results!

Close Your Home Purchase Loan FAST With The Best Mortgage Rate!

best mortgage rates

Purchasing a home is one of the most important and worthy things we can do. 

Dating back 1985, Sun American Mortgage has been helping consumers purchase a home. We have the mortgage process that makes the purchase process, SMOOTH, EASY AND FAST!

We understand that life is hectic, and we know that it can be difficult to handle all the different facets of life. That's why we have created a process and a team that guarantees your purchase home loan is a top-notch experience. 

We also pride ourselves in our customer reviews. We truly do care about all our clients. No one is just another loan to us. When you have Sun American Mortgage help you with your purchase finance loan, you'll experience the difference in the home buying process timeline. We focus on high quality service and attention to detail.

 

OUR PURCHASE PROGRAMS

Conventional Purchase

If your credit is healthy, you have a steady income, and you're looking to purchase a home, our conventional loan program may be right for you. We offer amazing rates and faster closings than most lenders. We also offer one of Arizona's lowest interest rates on our 30-year mortgage. If you think this might be the right options for you, give us a call today! 480-832-4343.

Conventional mortgages have the option for a fixed or an adjustable interest rate. Fixed-rate mortgages are typically 15 or 30 years; however, here at Sun American Mortgage, we also offer 25-year, 20-year and 10-year fixed rate options. Let us show you how we have some of the best mortgage rate in the state!

purchase a home

 

FHA Purchase

Are you worried that your credit score isn't good enough to qualify for a purchase loan? Wondering how to buy a house with bad credit? Think again! The Federal Housing Administration (FHA) guarantees home mortgages to help people like you, and Sun American Mortgage can fill your need. Thanks to adaptable certification standards, the FHA program is specifically for those that have low credit. Let us help you! With the best mortgage rate available, you don't have to worry about affording a home any longer! FHA is also a great program for buying a home for the first time. There are many options within this program that allow for first time home buyer grant, or first time home buyer programs. The best thing is to start your application with our online streamlined application process. CLICK HERE To Get Started With The Best Mortgage Rate!

An FHA loan is a home loan that is insured by the FHA. In other words, there's a guarantee that if you fail to repay the mortgage, FHA insures the lender that a portion of that debt will be paid. This is the reason you are required to pay a Mortgage Insurance Premium (MIP) in your loan. 

 

Purchase A Home With VA

The VA loan was created to help active-duty military professionals purchase a home. This loan is backed by the U.S. Department of Veterans Affairs and needs not mortgage insurance coverage.

Unlike conventional loans, VA mortgages offer the unique benefit of $0 money down. In fact, 9 out of 10 VA loan borrowers do not place a down payment. This benefit is here to make the purchase of a house easier and more accessible to those who have served our great nation.

Additionally, with the VA home loan program, you do not have the additional monthly cost of private mortgage insurance (PMI). This adds up to a substantial savings for VA homebuyers over the life of their loan.

And, if that isn’t enough, VA loans offer lower closing costs, highly competitive interest rates and carry no penalties if the loan is paid early.

 

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JUMBO Mortgage Home Loans

Want to buy a luxury home? Are you looking to upsize? If you're looking to purchase a home in Arizona that needs more than a conventional will cover, the Jumbo Mortgage loan is perfect for you!

This loan has a higher limit than Fannie Mae and Freddie Mac (the two government-sponsored enterprises that buy mortgages from lenders) dictate. Although the loan limit is $417,000 in most states, in the highest-cost of living areas and some other areas in-between, the limit is $625,500. We can often times offer the best mortgage rate on Jumbos in Arizona! 

Although the credit score and down payment requirements are more strict, the qualification for a Jumbo is similar to a conventional.

 

So Why Choose Sun American Mortgage When You Want to Purchase A Home In Arizona?

We know that there are a lot of different lenders to choose from, so why should you choose us? Here are three reasons why.

1. We will close your loan QUICK!

Thanks to the SIMPLE, SMOOTH & FAST process we have put in place, your experience at Sun American Mortgage will be headache-free! Our smart Loan Application helps move the process more quickly and makes your job easier. With a now streamlined mortgage application process you can easily and quickly complete and upload all the necessary documentation. You'll love it!

TRY IT OUT TODAY HERE: https://sunamerican.com/apply-now/

2. In-House from Start to Finish!

Your entire personal purchase mortgage file is being handled in one location. Right here in our Mesa, Arizona office we Process, Underwrite and Fund your loan. Your Loan Officer knows everyone who touches your file. If that doesn't bring you peace of mind, what will?

3. We Will Give you the Best Mortgage Rate!

We will beat any other local mortgage bank's mortgage rate. We are committed to making sure you get the best mortgage rate in town. How can you refuse? (In order to do this we must have a valid and current loan estimate from a local mortgage bank. You must also be able to qualify for the loan and meet all 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! 

Whether you want to purchase a home in Arizona, Utah, California or New Mexico, let us be your mortgage lender today!


Arizona is one of the hottest real estate markets in the country!

Arizona is poised to be one of the hottest real estate markets in the country. With the number of houses for sale in Arizona, you'll find a wide variety of homes to choose from. If you're thinking of buying a house in AZ, there are many down payment assistance programs available. Some include, Arizona Home in 5, Home Plus Program AZ, Pathway to purchase Arizona. Contact us today to learn more! 480-832-4343

 

Here are some other great articles to check out!

The Housing Market in Phoenix – Looking Up

The Housing Market in 2017

Getting a Mortgage with a New Job

Now Is A Great Time To Buy A Home – 4 Key Steps To Follow

4 Numbers That Determine Your Buying Power

6 New Year’s Resolutions For Homeowners

Purchase a Home with Zero Down & Break Out Of The Renter Cycle

Check out all our customer reviews. 5 STAR Google Reviews. 

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WE KNOW PURCHASE!

If you're in the market to purchase a home in Arizona, Utah, California or New Mexico, then you're in LUCK! We've got some of the best rates, programs and service in the industry! We know that might sound kind of arrogant, but when you've been doing this for over 30 years in one of the most volatile markets known in history since the Great Depression, we are confident that we can meet your expectations. We know you'll be extremely satisfied with the results!

Read More

Our Purchase Programs and Process

Sun American has a program for you!

For more than 30 years we’ve helped individuals, families and seniors just like you, find their dream home. Whether you’re a first-time home buyer, or looking to make a fresh change, 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!

3 Words: Smooth, Fast, Consistent!

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.

We're dedicated to seeing all our clients succeed!


  • 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, pay stubs, 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!
  • Katiana F.

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    02 Nov 2016

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

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  • Erica C.

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    07 Nov 2016

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

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  • Kara C.

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    07 Nov 2016

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

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  • Wesley T.

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    07 Nov 2016

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

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  • Michael Krenz

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    14 Dec 2016

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

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  • Peter M.

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    29 Oct 2016

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

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  • Jacob & Denise F.

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    21 Oct 2016

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

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  • Jason T.

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    21 Oct 2016

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

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  • Debra Lynn C.

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    26 Oct 2016

    Record breaking speed!  I cannot thank Mary Vrana enough!

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