Mortgages with Sunny is a experienced consultant assisting clients whether you're looking to refinance or purchase a new home, we have you covered. Sunny Fonseca started her career in the Miami Mortgage & South Florida Mortgage Industry during the unfortunate home and financial crisis.
Surviving the true test of time in an industry that is ever-changing, Mrs. Fonseca prides herself in the knowledge and expertise that has been gained over the years.Sunny is poised to make an impact in her community by helping clients achieve their dream of homeownership and financial security through Real Estate.
Surviving the true test of time in an industry that is ever-changing, Mrs. Fonseca prides herself in the knowledge and expertise that has been gained over the years.Sunny is poised to make an impact in her community by helping clients achieve their dream of homeownership and financial security through Real Estate.
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Sunny Fonseca started her career in the Miami Mortgage & South Florida Mortgage Industry during the unfortunate home and financial crisis. Wanting to make an impact and help clients achieve the dream of homeownership, Sunny was poised to make a difference. Surviving the true test of time in an industry that is ever-changing, Mrs. Fonseca prides herself in the knowledge and expertise that has been gained over the years.
The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs available. At this stage, your loan officer will share how many homes you can afford, what your monthly payment will be, and how much money you will need.
Conventional loans are actually any type of creditor agreement that are not financed by the Veterans Administration (VA), or supported by the Federal Housing Administration (FHA). In general, all conventional loans are protected by the government sponsored entities such as Fannie Mae (FNMA) and Freddie Mac (FHLMC).
The Federal Housing Administration was created in 1934 in an effort to bolster homes sales during the Depression. By financially guaranteeing loans, the FHA lifts much of the risk of non-payment and foreclosure from private lenders. It is important to remember that the FHA is not a lender; they just guarantee your loan.
A VA loan is a mortgage loan guaranteed by the Veterans Administration. It was created in 1944 and signed into law by President Franklin D. Roosevelt. A VA loan provides veterans and/or their surviving spouses who have not remarried, with a federally guaranteed home with zero down payment. The program has been highly successful and has helped millions of American veterans and their families acquire a home.
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