We believe the mortgage process should be easy. You deserve a no-nonsense approach from a Loan Expert that will listen to your story and guide you through your home loan options. Thank you so very much for all of your help in securing a loan for our new home here in Dallas, TX. You guys were organized, thorough, and professional!.
An adjustable-rate mortgage (ARM) has a varying interest rate over the course of the loan. The main reason to consider an adjustable rate mortgage is that you may end up with a lower initial monthly payment. A conventional loan is especially good for first-time borrowers with decent credit and some amount of down payment.
An adjustable-rate mortgage (ARM) has a varying interest rate over the course of the loan. The main reason to consider an adjustable rate mortgage is that you may end up with a lower initial monthly payment. A conventional loan is especially good for first-time borrowers with decent credit and some amount of down payment.
Services
We developed the Sunray loan product to provide the self-employed residents of Texas with a smoother, simpler mortgage loan process. For too many years, mortgages have been a burden for most self-employed home buyers. Big banks are slow and often don't understand the unique income situations of self-employed, 1099 contractors, or small business owners.
Sunray Mortgage has a variety of home loan options for first time home buyers! We understand the process can feel overwhelming. With Sunray, you'll enjoy a modern loan process with a dedicated loan expert by your side. Contact one of our Loan Experts for a no-obligation conversation to find out how we can help you reach your goals.
For residents across Texas looking to purchase your dream home, the trusted experts here provide the best options for jumbo loans. Jumbo mortgages are home loans that exceed conforming loan limit of $484,350 in most areas of the country, typically sought to buy a high-priced or luxury home. Qualifications for a jumbo mortgage vary greatly from bank to bank.
For Texas residents looking for the right home loan rate refinance or cash out option, let Sunray Mortgage be your guide and provide the best refinance loan option for your situation. Refinance loans replace an existing loan with a new loan for a revised interest rate, payment schedule, or terms of a previous agreement.
For Self-employed borrowers including freelancers, small business owners, or 1099 employees, we offer a great home loan product: bank statement loans. Don't let a lack of taxable income stop you from getting a home loan. You may qualify without having to supply tax returns!
A bank statement loan could be the perfect fit for self-employed borrowers who prefer to use business or personal bank statements to document their income instead of their tax returns.The bank statement loan is perfect for those with a lot of income, but not a lot of the tax-return-documented kind of income.
A bank statement loan could be the perfect fit for self-employed borrowers who prefer to use business or personal bank statements to document their income instead of their tax returns.The bank statement loan is perfect for those with a lot of income, but not a lot of the tax-return-documented kind of income.
Reviews (6)
Johnny Swink
Dec 22, 2019
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Well, where to start. I try to always give people the benefit of the doubt, but in this situation it's hard not to say nothing. We were promised many things that never came true.
We were told we would get a certain rate and close on a certain date, never happened. When Michael couldn't deliver on his promises, he just decided not to answer calls or even return calls.I finally had to email another employee there to even get a response from him. Then when he did respond, his excuse was he didn't have any answers to my question or problems, and didn't even offer to try to fix the problem. I have
We were told we would get a certain rate and close on a certain date, never happened. When Michael couldn't deliver on his promises, he just decided not to answer calls or even return calls.I finally had to email another employee there to even get a response from him. Then when he did respond, his excuse was he didn't have any answers to my question or problems, and didn't even offer to try to fix the problem. I have
Cassie Goff
Oct 25, 2019
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I had such a great experience working with Sunray Mortgage. Michael, the loan officer provided his undivided attention at all times, answered his phone and always knew how to brighten my day. He was a great communicator and made the process much more understandable! I would recommend to all family and friends!
Anton Schlesinger
Aug 18, 2019
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Sunray Mortgage provided me with the personal help my family needed to get us squared away with our new mortgage. Getting financing not having a traditional single job with a w2 as proof of income can be challenging, but Sunray took the time to piece together the details for our full financial picture, making it possible for our family to get the approval and ultimately the financing we needed to carry us into our future.
Chris Schneider
Aug 12, 2019
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Mike gave us a great experience. He was knowledgeable of the whole process, communicated very clearly and was patient with us as we asked a lot of questions. He also checked in constantly to make sure it was going smoothly and we closed with ease and love our new home. Thanks for an easy and smooth process Sunray.
Brent Smith
Jun 21, 2019
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Italiankid
Aug 11, 2018
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In a truly insane process, "Thank you so very much for all of your help in securing a loan for our new home here in Dallas, TX. Sunray Mortgage was organized, thorough and professional. From the first conversation, each and every option was explained and made available. I never felt pressured into any decision. Our phone calls were handled in a professional and timely manner. All of our questions were answered or responded to within 15 minutes. We really couldn't imagine a home buying process being any easier. Michael with Sunray Mortgage navigated us through all phases of the process well beyond
