Your Trusted Mortage Broker
Specializing in unique mortgage solutions for every situation. From renovation loans to reverse mortgages, we have the expertise to help you achieve your homeownership goals.
Home Transformation Solutions
Renovation Loans
Finance home improvements based on the estimated value after renovations. Purchase or refinance with lower rates than credit cards while preserving cash reserves.
Investment Property and Alternative Doc Financing
DSCR Loans
Investment property financing is based on rental income rather than personal income. Qualify based on property cash flow without personal income verification - ideal for investors.
Asset-Based Qualification
Qualify using liquid assets rather than traditional income. Perfect for self-employed borrowers and retirees. Use savings and investments without employment verification.
Construction & Bridge Solutions
One-Time Close Construction
Streamlined financing for construction and permanent mortgage in single loan. Interest-only during construction, converts to permanent loan with single closing process.
Bridge Loans
Short-term financing to bridge the gap between buying a new home and selling the current one. Quick access to funds using current home equity as a short-term solution.
Home Equity Access
HELOCs
Home equity line of credit, or HELOCS, are revolving credit lines with competitive rates for flexible access to your home equity.
HELOANS
Home equity loans, or HELOANS, are fixed lump sum loans with predictable payments using your home's equity.
HECM Reverse Mortgage
For homeowners 62+ to convert home equity into cash without monthly mortgage payments. The FHA-insured program creates retirement cash flow for any purpose.
Specialty Loan Programs
ITIN Loans
For individuals who possess Individual Taxpayer Identification Numbers (ITINs), this option does not require a Social Security number. It offers flexible documentation requirements specifically designed to accommodate non-US citizens.
Non-Warrantable Condos
Specialized financing solutions are designed for properties that do not meet conventional lending standards. We offer co-op share loans as well as a variety of portfolio lending options to accommodate different borrower needs.
Small Balance Commercial
Financing options are available for commercial properties valued under $5 million. We offer flexible terms tailored to meet the needs of investors and business owners, accommodating a diverse range of property types and investment objectives.
Why Choose Sun Mortgage and Finance?
Independent Broker
Working exclusively for your interests, not bank profits.
Independent Broker
Working exclusively for your interests, not bank profits.
Personalized Solutions
Tailored mortgage solutions for your unique situation.