Sun American Mortgage Company - NMLS: 160265

Sun American Mortgage Company - NMLS: 160265 Sun American Mortgage Company
NMLS # 160265 | AZ BK: 7548
NM 03133 | CA 4130766 | UT: 9211514
Equal Housing Lender
(217)

Since our establishment in 1984, we have always been dedicated to our customers’ needs. Our knowledge in the field has proven to be invaluable towards achieving our clients' mortgage goals. We specialize in refinance, home purchase, reverse mortgages, FHA loans, and VA loans. Sun American is located in Mesa, Arizona and services all of Arizona, as well as New Mexico and California. So whether you

live in Phoenix, Scottsdale, Gilbert, Santa Fe or Los Angeles, we are happy to hear from you and help you with your mortgage banking needs. Through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and exploring various mortgage scenarios. We offer the best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs, together with the assistance of an experienced, loan officer to guide you through the often difficult and confusing process of choosing the exact loan to meet your specific needs. Sun American is a Better Business Bureau accredited business and has a BBB Rating of A+ on a scale from A+ to F. Check out our BBB Rating --- Click Here ---

08/07/2026

When does a cash-out refinance make sense?

A cash-out refinance can be a smart financial tool when you've built up equity in your home and want to put it to work. By replacing your current mortgage with a new, larger loan, you can access a lump sum of cash for a variety of needs. Many homeowners use this strategy to invest back into their property, funding renovations or upgrades that can increase home value and potentially deliver a strong return over time.

It can also be a strategic move if you're looking to consolidate high-interest debt into one lower monthly payment, or if you have larger financial goals like covering education, starting a business, or handling major expenses. In some cases, a cash-out refinance can also help you restructure your mortgage, such as switching from an adjustable rate to a fixed-rate or adjusting your loan term for better cash flow. The key is making sure the move aligns with your long-term financial strategy and overall goals.

-OutRefinance

Borrowers must qualify for the mortgage loan program. This is not a commitment to lend.

🏡 Looking to purchase a high-end home? Our jumbo loan experts offer customized solutions and attractive rates to fit you...
08/02/2026

🏡 Looking to purchase a high-end home? Our jumbo loan experts offer customized solutions and attractive rates to fit your goals. Start your journey toward luxury living—leave a comment or send us a message to learn more about your jumbo mortgage options!



Borrowers must qualify for the mortgage loan program. This is not a commitment to lend.

It was a very good experience. Explained well and any question was answered right awayKelli was quick with emails and te...
08/02/2026

It was a very good experience. Explained well and any question was answered right awayKelli was quick with emails and text messages to any question I asked.Parker walked us patiently through all questions and explained thoroughly what happens and the figures.I would recommend Sun America to anyone thinking about a reverse mortgage

It was a very good experience. Explained well and any question was answered right away
07/31/2026

It was a very good experience. Explained well and any question was answered right away

Chris and his team were amazing will definitely be recommending them
07/30/2026

Chris and his team were amazing will definitely be recommending them

07/30/2026

What most people don't realize is that a mortgage isn't a one-size-fits-all decision; it's a financial framework that affects how you live month to month and how flexible you can be long-term.

Beyond the rate, the structure of your loan plays a big role in how comfortable your payments feel, how quickly you build equity, and how well the loan aligns with your future. Getting prepared early allows you to move with clarity instead of urgency, and to make decisions based on understanding rather than pressure.

That's why working with us, who will take the time to explain the "why" behind each option, can change the entire experience.

When you understand your loan, you're not just buying a home; you're building confidence into one of the biggest financial decisions of your life. We're here to help.

Borrowers must qualify for the mortgage loan program. This is not a commitment to lend.

Rex and Jon took care of us through every step in the journey of a home buying process, going above and beyond to make s...
07/27/2026

Rex and Jon took care of us through every step in the journey of a home buying process, going above and beyond to make sure we were taken care of. They are honest folks who saw us a people.They helped us to make informed decisions and provided us with everything we needed without pressuring us at all. 10/10 recommend and will be using again if ever the need arises.

Buying a home doesn't have to be complicated!Before you start looking at houses, call me! With one quick conversation, I...
07/27/2026

Buying a home doesn't have to be complicated!

Before you start looking at houses, call me! With one quick conversation, I'll help you understand:

Exactly how much home you can afford

• Your estimated monthly payment
• Cash needed to close
• Down payment assistance programs
• The best loan program for your goals
• Ways to strengthen your offer and compete in today's market.

Too many buyers start house hunting before knowing their numbers. That's how dreams turn into frustration.



Borrowers must qualify for the mortgage loan program. This is not a commitment to lend.

Great company to work with, the process was easy and I was updated by their office consistently on any steps I needed to...
07/26/2026

Great company to work with, the process was easy and I was updated by their office consistently on any steps I needed to take.I would do buisness with them again.Sheila G.

07/24/2026

🏠 **Thinking About Buying Your First Home or Moving Up? Here’s Your Mortgage Qualification Checklist!**

Taking the leap into homeownership is exciting—whether it’s your first place or an upgrade. Knowing what lenders want is crucial for a smooth process. Here are the four main things that shape your mortgage approval and how to pick the best loan for your needs:

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**📈 1. Credit Score**
Lenders use your credit score to gauge risk. Conventional loans typically require 620 or higher; FHA loans may accept scores starting at 580. A higher score can unlock better interest rates and save you money over time.

**💰 2. Income & Debt (DTI Ratio)**
Your **debt-to-income ratio (DTI)** measures how much of your earnings go toward debts each month. Lenders prefer a DTI under 43%, but exceptions exist. Income from jobs, self-employment, or rentals all count—consistency is key!

**🏠 3. Down Payment**
Down payment requirements differ by loan:
- **Conventional:** Minimum 3%
- **FHA:** Minimum 3.5% (with 580+ credit)
- **VA & USDA:** No down payment for eligible borrowers

A higher down payment can strengthen your application, reduce monthly payments, and possibly help you avoid PMI.

**🔍 4. Loan Type**
Select the loan that matches your profile:
- **Conventional:** Great for strong credit
- **FHA:** Ideal for first-timers or those with lower credit
- **VA:** For veterans/active service; zero down
- **USDA:** For qualifying rural buyers; zero down

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✅ **Expert Tip:** Getting pre-approved early shows sellers you’re serious and gives you a clear budget, speeding up your home search.

You don’t need flawless credit or a massive down payment. If you’re ready for homeownership, there’s a path for you!

💬 **Questions? Ready to begin? Message us or visit our website to connect with a mortgage specialist. We’re here to walk you through every step!**

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Morgage

Borrowers must qualify for the mortgage loan program. This is not a commitment to lend.

Address

4140 E Baseline Road, Ste 206
Mesa, AZ
85206

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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