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  Sunrise Realty & Financing's

  Mortage, Home Loans and Financing

 
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Sunrise Realty and Financing is able to offer at no cost to you numerous loans programs. Brief descriptions of the key products are provided below. For a complete list, call us at 510-542-8000. Single family homes, condos and planned unit developments can be financed with no prepayment penalty. Cash-out refinancing or changing the rate or term is possible.

Our mortgage application process is straightforward. You will need to provide:
(1) Paycheck stubs for both borrower and co-borrower for 1 month
(2) Bank statements for 2 months
(3) W-2 forms for the most recent 2 years

We can help you with a pre-approval letter for your home purchase. Simply contact us.

Useful link: Calculate your monthly mortgage payment given the term, interest rate and principal amount using an online mortgage calculator.

LOAN PROGRAMS

CONVENTIONAL - These are traditional loan programs that require 3% to 20% down and usually have lower interest rates compared to other loans. Documentation and fair-to-good credit are necessary.  For loans with loan-to-value-ratio>80%, there are lender-paid mortgage-insurance options, which eliminate your mortgage-insurance payment.
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NO INCOME VERIFICATION - These are loans where your income documents are not requested or verified.  Maximum loan-to-value-ratio for stated income is 70%. Please contact us for details.
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(ALMOST) NO DOWN PAYMENT - The minum down payment for financing is 3%.  However, the 3% can be a gift from a relative. Back to Top
CREDIT PROBLEMS - Sunrise Realty and Financing offer loan programs for customers with credit problems. If you have troubled credit, a bankruptcy, or have been turned down for a loan somewhere else, we have ways to deal with this and to fix credit problems.
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JUMBO LOANS - These are loans that are greater than $625,000. They can be 15- to 30-year fixed rate mortgages or adjustable-rate-mortgage (ARM) loans with rates fixed for the first 5 or 7 years.
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FHA MORTGAGE - Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3% down – the Department of Houseing can even finance “allowable” closing costs.
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VA MORTGAGE – Backed by the Veterans Administration and the federal government, this loan is similar to an FHA loan except that you have to be a qualified veteran or military person.
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