Low Down Payment Options 
Have you been dreaming of buying a home, but find that you don't have enough saved for a downpayment? Sunmark has mortgage programs for credit qualified individuals looking to finance up to 95% of their mortgage. If you're just starting out or if you're starting over and have limited funds available for a downpayment, you may want to consider this option. Contact us for more information.

FHA Loans 
These loans are guaranteed and administered by the Federal Housing Administration (FHA). FHA loans have a low 3.5% downpayment and that money can come from a family member, employer or charitable organization as a gift. FHA loans have competitive interest rates because the Federal government insures the loans.  An FHA insured mortgage may be used to purchase or refinance a new or existing 1-4 family home or a condominium unit. You don't have to have a perfect credit score to get an FHA mortgage. In fact, even if you have had credit problems, such as a bankruptcy, it's easier for you to qualify for an FHA loan than a conventional loan.

VA Loans 
These loans are guaranteed and administered by the Department of Veterans Affairs and are available to qualified individuals who have served in the armed forces. If you're a qualified veteran and wish to purchase a home, a VA loan may be right for you. Click here for more information. 

Mortgage Refinancing Options
Homeowners choose to refinance their mortgages for a variety of reasons: for a lower interest rate, to build equity faster, to take advantage of an improved credit rating or to draw on the equity they have already built in their home. In addition to offering all of the above options to homeowners who want to refinance their mortgages, Sunmark can also refinance your first mortgage into a second mortgage if you have built up equity in your home. Basically, this means that we will pay off your first mortgage and roll it into a home equity loan in which Sunmark is the first lien holder. Learn more about Sunmark's Home Equity Loan options.