Mortgages with Sunny is a experienced consultant assisting clients whether you're looking to refinance or purchase a new home, we have you covered. Sunny Fonseca started her career in the Miami Mortgage & South Florida Mortgage Industry during the unfortunate home and financial crisis. Surviving the true test of time in an industry that is ever-changing, Mrs. Fonseca prides herself in the knowledge and expertise that has been gained over the years.
Sunny is poised to make an impact in her community by helping clients achieve their dream of homeownership and financial security through Real Estate. As a progressive mortgage lender Sunny is poised to make a difference. Every client has a different financial strategy and no 2 people can be treated the same. During the upfront PreApproval process, we analyze credit, monthly debts, assets, tax brackets, and income to deliver a unique certified mortgage plan.
This provides clarity and assurance that you can afford the home now and, in the future, while building a higher net worth.
Sunny is poised to make an impact in her community by helping clients achieve their dream of homeownership and financial security through Real Estate. As a progressive mortgage lender Sunny is poised to make a difference. Every client has a different financial strategy and no 2 people can be treated the same. During the upfront PreApproval process, we analyze credit, monthly debts, assets, tax brackets, and income to deliver a unique certified mortgage plan.
This provides clarity and assurance that you can afford the home now and, in the future, while building a higher net worth.
Services
Sunny Fonseca started her career in the Miami Mortgage & South Florida Mortgage Industry during the unfortunate home and financial crisis.
Wanting to make an impact and help clients achieve the dream of homeownership, Sunny was poised to make a difference.
Surviving the true test of time in an industry that is ever-changing, Mrs. Fonseca prides herself in the knowledge and expertise that has been gained over the years.
Not only does Sunny enjoy working with a wide variety of loans from Jumbo to Non-Prime to FHA/VA, she enjoys the level of service she can bring her clients.
Wanting to make an impact and help clients achieve the dream of homeownership, Sunny was poised to make a difference.
Surviving the true test of time in an industry that is ever-changing, Mrs. Fonseca prides herself in the knowledge and expertise that has been gained over the years.
Not only does Sunny enjoy working with a wide variety of loans from Jumbo to Non-Prime to FHA/VA, she enjoys the level of service she can bring her clients.
The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs available.
At this stage, your loan officer will share how many homes you can afford, what your monthly payment will be, and how much money you will need.
This is where we need your help!
By submitting your income and asset documentation upfront allows us to fly through the underwriting process.
Once you find a home and the seller accepts your offer we'll order an appraisal and begin processing and underwrite your loan.
At this stage, your loan officer will share how many homes you can afford, what your monthly payment will be, and how much money you will need.
This is where we need your help!
By submitting your income and asset documentation upfront allows us to fly through the underwriting process.
Once you find a home and the seller accepts your offer we'll order an appraisal and begin processing and underwrite your loan.
Conventional loans are actually any type of creditor agreement that are not financed by the Veterans Administration (VA), or supported by the Federal Housing Administration (FHA).
In general, all conventional loans are protected by the government sponsored entities such as Fannie Mae (FNMA) and Freddie Mac (FHLMC).
Lower Fees: Fees associated with Conventional loans frequently are lower than other loan products because the lender sets these rates.
Interest Rates: Lenders determine the rates to offer borrowers based on their credit scores.
In general, all conventional loans are protected by the government sponsored entities such as Fannie Mae (FNMA) and Freddie Mac (FHLMC).
Lower Fees: Fees associated with Conventional loans frequently are lower than other loan products because the lender sets these rates.
Interest Rates: Lenders determine the rates to offer borrowers based on their credit scores.
The Federal Housing Administration was created in 1934 in an effort to bolster homes sales during the Depression.
By financially guaranteeing loans, the FHA lifts much of the risk of non-payment and foreclosure from private lenders.
It is important to remember that the FHA is not a lender; they just guarantee your loan.
It is a fact: FHA loans have been helping borrowers like you become homeowners who achieve the American dream since 1934.
Operating under the umbrella of the Housing and Urban Development (HUD), the Federal Housing Administration (FHA) insures the loan, so your lender can offer you a better deal.
By financially guaranteeing loans, the FHA lifts much of the risk of non-payment and foreclosure from private lenders.
It is important to remember that the FHA is not a lender; they just guarantee your loan.
It is a fact: FHA loans have been helping borrowers like you become homeowners who achieve the American dream since 1934.
Operating under the umbrella of the Housing and Urban Development (HUD), the Federal Housing Administration (FHA) insures the loan, so your lender can offer you a better deal.
A VA loan is a mortgage loan guaranteed by the Veterans Administration.
It was created in 1944 and signed into law by President Franklin D. Roosevelt.
A VA loan provides veterans and/or their surviving spouses who have not remarried, with a federally guaranteed home with zero down payment.
The program has been highly successful and has helped millions of American veterans and their families acquire a home.
Borrowers are required to make a one-time funding fee based on loan amount and applicant's service length.
It was created in 1944 and signed into law by President Franklin D. Roosevelt.
A VA loan provides veterans and/or their surviving spouses who have not remarried, with a federally guaranteed home with zero down payment.
The program has been highly successful and has helped millions of American veterans and their families acquire a home.
Borrowers are required to make a one-time funding fee based on loan amount and applicant's service length.
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