We all know that a home is more than a place to rest your head. It represents your hopes and your dreams, but most importantly, a home represents the love that resides within its walls. Nobody understands that better than us. A home loan with SunWest Credit Union takes the hassle out of home ownership because we know there’s so much more to a house than anything money can buy.
Make yourself at home with SunWest Credit Union where we understand that a house isn't just where you live, it's a reflection of how you live. There's no time like the present to invest your money in the things that matter, and we want to help you with that. Refinance your first mortgage with SunWest and open the door to competitive rates, low fees, and a convenient closing process. The money you save with SunWest could go towards creating YOUR perfect home. The security of having a house matters, but making it your own is what makes it feel just right. With our help, you'll soon be thinking: Home has never felt better.
We lend at 80% loan-to-value for conventional loans only
Owner-occupied in Arizona
Single Family
Condos + Townhomes
Free and Clear - Owner-occupied
We'll help you run the numbers before running your credit.** Give us a call to receive a free estimate:
As Arizona’s credit union, we are awfully familiar with the issues that can come up on a home – and we mean that literally. During monsoon season, it’s not uncommon to see tiles come up from a roof. In those intense summer months (we know, we know, at least it’s a dry heat), having issues with your air conditioner isn’t just uncomfortable, it’s actually a hazard to you and your family. If you can tough out June through August, the autumn and winter seasons are pretty mild and the perfect time for renovations, maybe even a pool to help with the dry heat in a few months.
A second mortgage with SunWest allows you to draw from the equity you’ve already built up so you can transform your home into a safe haven and comfortable oasis without spending a ton out of pocket. This type of home loan is best for homeowners that have a specific purpose in mind–say a backyard renovation or an addition for a mother-in-law suite. We apologize if that hit a little too close to home. We feel for you, we really do. Keep in mind that these loans are funded for a specific amount with a fixed term and rate.
With a fixed rate and term, you don't have to worry about fluctuations in the housing market.
Terms range from 120 – 180 months so you can find the best payment option for your budget.
Rates depending on credit, term, and loan-to-value.
No prepayment penalty. If you’re ready to pay it off early, we’re happy to save you even more by not assessing penalty fees.
Give us a call and speak to one of our mortgage gurus. They can go into more detail and even take your application over the phone. You can also apply online from the comfort of your own home.
With a SunWest HELOC you’re not limited to using the funds just on home improvements either. Once the credit line is available on your account, you can use the funds just like a credit card or personal line of credit. Use your HELOC for new appliances, a dental crown, a diamond crown – it’s up to you.
5-year draw period, 10-year repayment period. You can use funds from your HELOC for up to 5 years with a low monthly payment. Once that time is up, you’ll have 10 years to pay off the balance.
Similar to a credit card, a HELOC has a variable rate that can increase or decrease according to the market. Unlike a credit card, the APR on your SunWest HELOC will never increase more than 1% in a 6-month period.
Rates starting at 6.25% based on credit and loan-to-value. HELOCs secure your loan with the equity in your home making them a low risk and allowing you to reap the benefit of low interest rates.
Give us a call and speak to one of our home loan extraordinaires. They can go into more detail and even take your application over the phone. You can also apply online from the comfort of your own home.
*APR = Annual Percentage Rate. See a representative for details.
**SunWest does not escrow, so you'll be responsible for property taxes.
