first mortgage loans

Whether you’re a first-time home buyer or looking for a new start, we’re here to help you achieve your home-buying dream.

features you can appreciate

competitive rates
flexible terms
first-time buyers
easy online apply

your dream home awaits

Turn the key to your future with SunWest. Explore our competitive mortgage rates, minimal closing fees, and streamlined closing process. Find a home that meets your needs + makes you want to spend your nights in. We’ll help you call it yours.

competitive rates

Our mortgage rates are competitive to ensure you can spend more on the house and less on interest.

low closing costs

We keep our closing costs low so you can start saving money right from the start.

online application

Apply anywhere and at a time that’s most convenient for you with our easy online mortgage application.

flexible programs

We offer multiple mortgage types with flexible terms and will help you find the right fit for your home-buying adventure.

get to know your home loan

Learn more about our available home loan options to decide which one best suits you. If this mortgage mumbo jumbo is all Greek to you, don’t stress! Our Mortgage Specialists are matchmakers ready to find your mortgage mate.

Adjustable Rate Mortgage (ARM)

Construction

FHA (Federal Housing Administration)

Fixed Rate Mortgages

Freddie Mac Home Possible®

Fannie Mae HomeReady®

Jumbo

USDA/RD (Rural Development)

Super Conforming

VA (Veterans Administration)

apply online602.866.1129

crunch the numbers

We’ve got calculators for all things mortgage. From calculating how much home you can afford to estimating a monthly payment, you’ll become a home-buying expert.

arizona mortgage rates

The smartest homeowners do their homework. Check Arizona mortgage rates and calculate your monthly payment.

first mortgage refinance

10-year term
APR* as low
as 5.75%
Payment of $11.35 per $1,000
15-year term
APR* as low
as 6.25%
Payment of $8.85 per $1,000
30-year term
APR* as low
as 6.875%
Payment of $6.65 per $1,000

what to expect from the mortgage process

Buying a house is MAJOR, and you should feel incredibly proud. The process doesn’t have to drain any of that excitement. Your Mortgage Specialist will work with you every step of the way to answer questions and offer advice, so you can–dare I say–enjoy the home-buying process!

the mortgage process in 7 steps1

1

Complete a prequalification + collect your most recent pay stub, bank statement, and 2 years of tax returns.

2

Get in touch with your Real Estate Agent to provide them with your prequalification letter + a home wishlist–break it down between wants + needs

3

Find your home. YAY! Once your offer has been accepted, you’ll sign a Purchase Agreement + we’ll take it away with the financing process.

4

We’ll send you the loan estimate + early disclosures. Then, we get to work on underwriting + ordering the appraisal.  

5

Once the appraisal is done + meets any necessary underwriting conditions, your loan is clear to close.

6

We’ll get all the documents finalized + set a closing date.

7

On closing day, all final documents will be signed, and that house is now your new home.

apply online602.866.1129

First Mortgage Loan FAQ

What is a SunWest First Mortgage Purchase?

What is SunWest’s role in my mortgage loan?

Who underwrites and services my mortgage?

How do I apply for a first mortgage with SunWest?

What documents will I need to provide during the application process?

How long does the mortgage application process take?

How will I know the status of my mortgage application?

How do I make my mortgage payments?

Who do I contact if I have questions about my mortgage after closing?

see more frequently asked questions

*APR = Annual Percentage Rate. See a representative for details.

1. Every mortgage is unique. This step-by-step process is simply to serve as a general outline of what you can expect during the mortgage process. We make no guarantees in regards to timelines, required documentation, approval, etc.

This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC is a partner of CREDIT UNION NAME. For MFM’s licensing and state disclosure information, please visit the Member First Mortgage, LLC licensing website. CREDIT UNION NAME: 123 Address St., Somewhere, ST 99999 | (123) 456.7890 | NMLS ID: 123456. Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532 | For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.

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