We believe the mortgage process should be easy. You deserve a no-nonsense approach from a Loan Expert that will listen to your story and guide you through your home loan options. Thank you so very much for all of your help in securing a loan for our new home here in Dallas, TX. You guys were organized, thorough, and professional!. An adjustable-rate mortgage (ARM) has a varying interest rate over the course of the loan.
The main reason to consider an adjustable rate mortgage is that you may end up with a lower initial monthly payment. A conventional loan is especially good for first-time borrowers with decent credit and some amount of down payment. This allows you to avoid paying for private mortgage insurance, thus a lower monthly payment. FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.
An FHA loan is an easy type of loan to qualify for, as it allows for a smaller down payment and less-than-perfect credit. The main advantage of a fixed-rate loan is that the borrower is protected from sudden and potentially significant increases in monthly mortgage payments if interest rates rise.
The main reason to consider an adjustable rate mortgage is that you may end up with a lower initial monthly payment. A conventional loan is especially good for first-time borrowers with decent credit and some amount of down payment. This allows you to avoid paying for private mortgage insurance, thus a lower monthly payment. FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.
An FHA loan is an easy type of loan to qualify for, as it allows for a smaller down payment and less-than-perfect credit. The main advantage of a fixed-rate loan is that the borrower is protected from sudden and potentially significant increases in monthly mortgage payments if interest rates rise.
Services
We developed the Sunray loan product to provide the self-employed residents of Texas with a smoother, simpler mortgage loan process.
For too many years, mortgages have been a burden for most self-employed home buyers.
Big banks are slow and often don't understand the unique income situations of self-employed, 1099 contractors, or small business owners.
Smaller mortgage lenders and brokers don't have the loan products to satisfy your complex lending needs.
We invested heavily in our Cloud Mortgage Platform, our groundbreaking loan application portal which streamlines the application process and limits your need to fax or email your documents.
For too many years, mortgages have been a burden for most self-employed home buyers.
Big banks are slow and often don't understand the unique income situations of self-employed, 1099 contractors, or small business owners.
Smaller mortgage lenders and brokers don't have the loan products to satisfy your complex lending needs.
We invested heavily in our Cloud Mortgage Platform, our groundbreaking loan application portal which streamlines the application process and limits your need to fax or email your documents.
Sunray Mortgage has a variety of home loan options for first time home buyers!
We understand the process can feel overwhelming.
With Sunray, you'll enjoy a modern loan process with a dedicated loan expert by your side.
Contact one of our Loan Experts for a no-obligation conversation to find out how we can help you reach your goals.
We understand the process can feel overwhelming.
With Sunray, you'll enjoy a modern loan process with a dedicated loan expert by your side.
Contact one of our Loan Experts for a no-obligation conversation to find out how we can help you reach your goals.
For residents across Texas looking to purchase your dream home, the trusted experts here provide the best options for jumbo loans.
Jumbo mortgages are home loans that exceed conforming loan limit of $484,350 in most areas of the country, typically sought to buy a high-priced or luxury home.
Qualifications for a jumbo mortgage vary greatly from bank to bank.
We have multiple programs to fit your needs.
Finding the right type loan for your home is a big decision, and Sunray's loan experts can provide personal guidance to find the right jumbo loan to meet your needs.
Jumbo mortgages are home loans that exceed conforming loan limit of $484,350 in most areas of the country, typically sought to buy a high-priced or luxury home.
Qualifications for a jumbo mortgage vary greatly from bank to bank.
We have multiple programs to fit your needs.
Finding the right type loan for your home is a big decision, and Sunray's loan experts can provide personal guidance to find the right jumbo loan to meet your needs.
For Texas residents looking for the right home loan rate refinance or cash out option, let Sunray Mortgage be your guide and provide the best refinance loan option for your situation.
Refinance loans replace an existing loan with a new loan for a revised interest rate, payment schedule, or terms of a previous agreement.
Refinancing allows you to shift debt to a better place but does not eliminate it.
You can potentially save money by getting a better interest rate, shorten the loan term length, or set lower payments.
Refinance loans replace an existing loan with a new loan for a revised interest rate, payment schedule, or terms of a previous agreement.
Refinancing allows you to shift debt to a better place but does not eliminate it.
You can potentially save money by getting a better interest rate, shorten the loan term length, or set lower payments.
For Self-employed borrowers including freelancers, small business owners, or 1099 employees, we offer a great home loan product: bank statement loans.
Don't let a lack of taxable income stop you from getting a home loan.
You may qualify without having to supply tax returns!
A bank statement loan could be the perfect fit for self-employed borrowers who prefer to use business or personal bank statements to document their income instead of their tax returns.
The bank statement loan is perfect for those with a lot of income, but not a lot of the tax-return-documented kind of income.
Don't let a lack of taxable income stop you from getting a home loan.
You may qualify without having to supply tax returns!
A bank statement loan could be the perfect fit for self-employed borrowers who prefer to use business or personal bank statements to document their income instead of their tax returns.
The bank statement loan is perfect for those with a lot of income, but not a lot of the tax-return-documented kind of income.
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