Sun American Mortgage vs Jeremy House- Which Is the Better Choice?
Choosing a mortgage lender is one of the biggest financial decisions a homebuyer will make, so it’s natural to compare your options before committing. Two names that come up for borrowers researching Arizona-area lenders are Sun American Mortgage and Jeremy House, the loan officer behind the Gilbert, Arizona-based Housed Home Loans.
While both work in the same general market, they aren’t structured the same way, and understanding that difference matters. This guide compares what’s publicly verifiable about each — company history, licensing, service area, specialties, and customer feedback — so you can make an informed decision. Every claim below is drawn from each company’s own website or from third-party sources like the Better Business Bureau; nothing has been invented or assumed.
Quick Comparison Table
| Category | Sun American Mortgage | Jeremy House / Housed Home Loans |
|---|---|---|
| Founded | 1984 | Jeremy House’s team states 15+ years in the Arizona market; loan officers have a combined 33 years of origination experience |
| Business structure | Independent mortgage company (S Corporation), operating under its own NMLS license | A branch team doing business as “Housed Home Loans,” operating under PrimeLending, a PlainsCapital Company (NMLS #13649) |
| Headquarters | Mesa, Arizona | Gilbert, Arizona |
| Branch locations | Mesa, AZ; St. George, UT (2 locations); Richfield, UT; Mesquite, NV | Gilbert, AZ (single listed office) |
| States served | Arizona, Utah, New Mexico, and California per company site; licensed lending activity extends to additional states through NMLS | Licensed in all 50 states through its parent company, PrimeLending |
| Core loan products | Home purchase loans, refinancing, reverse mortgages, FHA and VA loans | Conventional, VA, FHA, Jumbo, USDA, Construction, Renovation, DSCR, Bank Statement, Asset Depletion, HELOC, and down payment assistance programs |
| Reverse mortgage specialty | Yes — dedicated reverse mortgage services and NRMLA affiliation | Not listed among services on the company’s site |
| BBB accreditation | BBB Accredited Business, A+ rating, accredited since October 1984 | Information was not publicly available at the time of writing |
| Industry affiliations shown | Mortgage Bankers Association (MBA), National Reverse Mortgage Lenders Association (NRMLA) | Information was not publicly available at the time of writing |
| Customer reviews | 100+ five-star reviews referenced across Google, Facebook, and Zillow; third-party aggregator Birdeye lists a 4.9-star rating | 4.8-star rating shown via an embedded Yelp review widget |
| NMLS ID | 160265 (Sun American Mortgage); Jeremy House NMLS #184066, Pete Marthaler NMLS #1015162, PrimeLending NMLS #13649 |
All figures above reflect information published by each company or by the Better Business Bureau at the time of writing and are subject to change.
About Sun American Mortgage
Sun American Mortgage was established in 1984 and has operated in the Southwest for more than four decades. The company is headquartered in Mesa, Arizona, with additional branches in St. George and Richfield, Utah, and Mesquite, Nevada. It is licensed under NMLS #160265 and holds a California lending license through the Department of Financial Protection and Innovation.
The company focuses on three core services: home purchase loans, mortgage refinancing, and reverse mortgages, and it also references FHA and VA loan options. Its affiliations with the Mortgage Bankers Association and the National Reverse Mortgage Lenders Association point to a company built around long-term participation in the mortgage industry rather than a single loan officer’s book of business.
Sun American Mortgage has been a BBB Accredited Business since October 1984 and currently holds an A+ rating. The company’s website features numerous customer testimonials describing a responsive, step-by-step process, and third-party review aggregator Birdeye lists the company with a 4.9-star average.
About Jeremy House / Housed Home Loans
Jeremy House is a Branch Manager and Senior Loan Officer, NMLS #184066, based in Gilbert, Arizona. He leads a two-person loan officer team — himself and Pete Marthaler, NMLS #1015162 — that does business under the name “Housed Home Loans.”
According to disclosures on the company’s own website, Housed Home Loans operates as a DBA of PrimeLending, a PlainsCapital Company (NMLS #13649), a national mortgage lender. In practical terms, this means Jeremy House and his team are a local branch office and loan origination team working within PrimeLending’s larger licensing, underwriting, and product infrastructure, rather than an independently chartered mortgage company.
The team advertises a broad menu of loan products, including conventional, VA, FHA, jumbo, USDA, construction, renovation, DSCR, bank statement, and asset-depletion loans, along with down payment assistance programs. Reviews embedded on the site show a 4.8-star Yelp rating built from client feedback collected over several years.
Detailed Feature Comparison
Company Longevity and Structure
Sun American Mortgage has operated continuously since 1984 — 41 years as of 2025, per its BBB profile — as its own independently licensed mortgage company. Jeremy House’s team has been active in the Arizona market for 15+ years and operates as a branch of PrimeLending, a much larger national lender, rather than as its own separately chartered mortgage company. For borrowers who place value on working with an established, independently run local institution with four decades of continuous operating history in the same headquarters city, this is a meaningful distinction.
Reverse Mortgage Expertise
Reverse mortgages require specialized underwriting knowledge, and Sun American Mortgage lists this as one of its three core service lines, backed by a membership with the National Reverse Mortgage Lenders Association (NRMLA). Housed Home Loans’ website does not list reverse mortgage services among its offerings. Borrowers specifically researching reverse mortgage options in Arizona or Utah may find this a deciding factor.
Industry Accreditation and Trust Signals
Sun American Mortgage has held BBB accreditation since 1984 and currently carries an A+ rating, alongside displayed affiliations with the Mortgage Bankers Association and NRMLA. Comparable third-party accreditation details were not publicly available on the Housed Home Loans website at the time of writing.
Regional Branch Presence
Sun American Mortgage maintains physical branch offices across three states — Arizona, Utah, and Nevada — giving borrowers the option of an in-person, local office visit in several Southwest markets. Housed Home Loans lists a single office location in Gilbert, Arizona, though as a branch of PrimeLending it can originate loans more broadly through its parent company’s national licensing.
Customer Reviews
Both companies show strong customer satisfaction signals. Sun American Mortgage highlights reviews across Google, Facebook, and Zillow, and is listed on Birdeye with a 4.9-star rating. Housed Home Loans displays a 4.8-star Yelp rating. Prospective borrowers are encouraged to read reviews directly on Google, Yelp, Zillow, and the BBB before deciding.
Why Customers Choose Sun American Mortgage
Based on verified, publicly available information, several factors distinguish Sun American Mortgage:
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More than 40 years of continuous operation as an independently licensed mortgage company headquartered in Mesa, Arizona.
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A dedicated reverse mortgage practice, supported by NRMLA membership — a specialty not listed on the competitor’s site.
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A long-standing BBB relationship, accredited since 1984 with an A+ rating.
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Multiple physical branch locations across Arizona, Utah, and Nevada, giving borrowers in-person access in several markets.
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A high-volume, highly rated review profile, with a 4.9-star Birdeye rating built from over a thousand reviews.
How to Choose the Right Mortgage Lender
Every borrower’s situation is different, so the “best” lender depends on your priorities. Here are factors worth weighing regardless of which companies you’re comparing:
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Experience and stability. How long has the company operated, and under what license structure — an independent lender or a branch of a larger institution?
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Specialization. Does the lender have direct experience with your loan type, whether that’s a first-time purchase, a cash-out refinance, or a reverse mortgage?
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Licensing. Confirm any lender’s NMLS number through NMLS Consumer Access before moving forward.
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Communication style. Ask how often you’ll receive updates and who your point of contact will be throughout underwriting.
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Local presence. If you prefer meeting in person, check whether the company has a branch near you.
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Reviews from verified sources. Cross-reference reviews on Google, the BBB, Yelp, and Zillow rather than relying on a single platform.
Requesting a rate quote or pre-qualification from more than one lender — and asking each the same questions — is one of the most reliable ways to compare offers side by side.
Frequently Asked Questions
Is Sun American Mortgage a good mortgage company?
Sun American Mortgage has been a BBB Accredited Business with an A+ rating since 1984 and shows a 4.9-star rating on third-party review site Birdeye, based on public information available at the time of writing.
How long has Sun American Mortgage been in business?
Sun American Mortgage was founded in 1984, making it more than 40 years old as of 2025, according to its BBB business profile.
Who is Jeremy House and what company does he work for?
Jeremy House is a Branch Manager and Senior Loan Officer (NMLS #184066) who leads a loan origination team doing business as “Housed Home Loans” in Gilbert, Arizona. The team operates as a branch of PrimeLending, a PlainsCapital Company.
Is Housed Home Loans the same as PrimeLending?
According to disclosures on jeremyhouse.com, Housed Home Loans is a DBA (doing-business-as) name used by Jeremy House’s branch of PrimeLending, a PlainsCapital Company (NMLS #13649).
Does Sun American Mortgage offer reverse mortgages?
Yes. Reverse mortgages are one of Sun American Mortgage’s three core service lines, and the company is affiliated with the National Reverse Mortgage Lenders Association (NRMLA).
Does Jeremy House offer reverse mortgages?
Reverse mortgages were not listed among the loan products on the Housed Home Loans website at the time of writing.
What states does Sun American Mortgage serve?
Sun American Mortgage states it serves Arizona, Utah, New Mexico, and California, with physical branches in Mesa, AZ; St. George, UT; Richfield, UT; and Mesquite, NV.
What loan types does Jeremy House / Housed Home Loans offer?
Their website lists conventional, VA, FHA, jumbo, USDA, construction, renovation, DSCR, bank statement, asset depletion, and HELOC loans, along with down payment assistance programs.
Is Sun American Mortgage BBB accredited?
Yes. Sun American Mortgage Company has been a BBB Accredited Business since October 1, 1984, and currently holds an A+ rating.
Is Jeremy House / Housed Home Loans BBB accredited?
This information was not publicly available at the time of writing.
Which company has more experience?
Sun American Mortgage has operated continuously since 1984 (41 years). Jeremy House’s team states 15+ years working in the Arizona mortgage market, with loan officers holding a combined 33 years of origination experience.
What is the difference between a mortgage broker and a lender’s branch office?
An independent mortgage company like Sun American Mortgage operates under its own NMLS license and internal processes. A branch office like Housed Home Loans operates under its parent company’s (Prime Lending’s) national licensing, products, and underwriting guidelines.
Which company has more physical branch locations?
Sun American Mortgage lists four branch locations across Arizona, Utah, and Nevada. Housed Home Loans lists one office location, in Gilbert, Arizona.
How do I verify a mortgage lender’s license?
You can look up any loan officer or company’s NMLS number at nmlsconsumeraccess.org to confirm active licensing in your state.
How do I compare mortgage providers before choosing one?
Compare experience, specialization, licensing status, physical branch access, and verified third-party reviews (BBB, Google, Yelp, Zillow) rather than relying on a single source.
Should I get quotes from more than one lender?
Yes. Requesting quotes from multiple lenders, including both companies discussed here, allows you to compare rates, fees, and service directly for your specific situation.
Final Thoughts
Sun American Mortgage and Jeremy House / Housed Home Loans both serve borrowers in the Arizona market, but they represent different types of lending relationships. Sun American Mortgage is an independently operated, BBB-accredited mortgage company with more than 40 years of history, multiple regional branches, and a dedicated reverse mortgage practice. Jeremy House leads a loan officer team operating as a branch of PrimeLending, a larger national lender, with a broad menu of niche loan products available through that parent company’s platform.
For borrowers who value working with a long-established, independently run Southwest lender — particularly for reverse mortgage, purchase, or refinance needs — Sun American Mortgage’s four-decade track record and BBB accreditation are worth strong consideration. As with any major financial decision, we recommend contacting Sun American Mortgage directly for a personalized quote and comparing it against any other lender you’re evaluating.
Get a free, personalized quote from Sun American Mortgage →
