A Brighter Way To Home Mortgage Loans
Features You’ll Love
Get access to competitive first mortgage rates and a smooth, streamlined closing. Find a home that fits your needs and feels right for your future. We’ll help you call it yours.
Low, competitive rates
Minimal closing costs
Multiple mortgage options to choose from
Easy 20-min. mortgage application process
Flexible terms, with guidance to help you find the right fit
Home Loan Types
There’s no one-size-fits-all mortgage. SunWest offers a range of loans to fit different needs and goals. Our Mortgage Specialists will walk you through your options and help you land on the one that makes the most sense for you.
Loan Type
What to Know
Best For
Fixed Rate
Buyers who want financial planning stability
Fixed rate and predictable monthly payments over 10, 20, or 30 years
Adjustable Rate (ARM)
Short-term homeowners or future refinancers
Lower upfront costs and initial rate fixed for 5, 7, or 10 years. Then it adjusts with the market
Federal Housing Administration (FHA)
Lower credit or smaller down payment
As little as 3.5% down with more flexible qualifications
Veterans Administration (VA)
Veterans and eligible military
Zero down payment and no private mortgage insurance (PMI)
Rural Development (USDA / RD)
Homebuyers in rural areas
100% financing with no down payment and flexible seller contributions towards closing costs
Jumbo
Higher-priced homes
Financing above conventional limits (up to 3 mil.) with stricter qualification requirements
Super Conforming
Homebuyers in high-cost areas
Higher loan limits than conventional loans (up to $625,500), with flexible fixed and adjustable rate options
Freddie Mac Home Possible®
First-time buyers and those with low to moderate income
Flexible funding for down payments and closing costs with reduced mortgage insurance premiums
Fannie Mae HomeReady®
First-time buyers and those with minimal credit history
Flexible methods to qualify, with creative solutions for covering costs
Check current mortgage rates and run the numbers to understand your monthly payment before you start your home search.
What is SunWest’s role in my mortgage loan?
SunWest supports you through the entire process—from application to closing—helping you review documents and move through each step with clarity.
Who underwrites and services my mortgage?
Your loan is underwritten through our partner, Member First Mortgage. After closing, your loan may be transferred to another lender for servicing.
What documents will I need to provide during the application process?
You’ll typically need income verification (like pay stubs or tax returns), proof of homeowner’s insurance, and any payoff statements if applicable.
How will I know the status of my mortgage application?
You’ll have access to a secure portal to track your application status. You can also connect with a SunWest Mortgage Representative anytime at 602.866.1129.
How do I make my mortgage payments?
After your loan closes, you’ll receive a welcome packet from your lender with instructions to set up payments. If you don’t receive it within 30 days, contact us at 602.866.1129.
Who do I contact if I have questions after closing?
Contact our Mortgage Department at 602.866.1129. We’ll help connect you with your loan servicer and answer any 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 SunWest Credit Union. For MFM’s licensing and state disclosure information, please visit the Member First Mortgage, LLC licensing website.
SunWest Credit Union: 5323 N 99th Ave, Suite 220, Glendale, AZ 85305 | (602) 866.1100 | NMLS ID: 507563. 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.
