At Sunshine Financial Group, we know that nothing compares to making a home a reality. It's the feeling you get when others look up to you, rely on you, and turn to you for invaluable knowledge. It's the same feeling we strive to give you with every loan we structure.
Whether you're a first-time home buyer, a long-time homeowner or a business partner, our high-caliber mortgage professionals provide the personalized service and care you'd expect from a national lender but with the white glove service of a boutique-style lender.23 years of knowledge and experience committed to helping you find the right mortgage product for your needs!
Whether you're a first-time home buyer, a long-time homeowner or a business partner, our high-caliber mortgage professionals provide the personalized service and care you'd expect from a national lender but with the white glove service of a boutique-style lender.23 years of knowledge and experience committed to helping you find the right mortgage product for your needs!
Services
Sean Koch is a licensed Mortgage Broker in the state of Florida and has been President of Sunshine Financial Group for 20 years. Prior to being president, Sean has been in the Mortgage industry since 1988 where he began his career in Real Estate/Finance at Ocean Bank. Sean is recognized as a well-known top producer in the mortgage field for over 32 years.
Conventional mortgages are loans that are not guaranteed or insured by any government agency, such as the Department of Veterans Affairs (VA) or the Federal Housing Administration (FHA). VA loans are designed for Veterans, active-duty military personnel, and, in some cases, their spouses and can have a lower down payment.
Government mortgage loans are regulated or provided by a government institution such as the Federal Housing Administration (FHA), the United States Department of Veterans Affairs (VA), or the U.S. Department of Agriculture (USDA). These loans are provided to help borrowers buy, build, or repair a home depending on their eligibility.
Jumbo loans are non-conforming loans with amounts that exceed the limits set by the Federal National Mortgage Association (FNMA, aka Fannie Mae) or Federal Home Loan Mortgage Corporation (FHLMC, aka Freddie Mac). Available with fixed- and adjustable-rate options, Jumbo loan limits vary depending on where the borrower lives.
A loan to purchase a home is usually the first mortgage lien recorded on a property; subsequent loans depend on the amount of owners' equity in the home and generally require a new appraisal. If you need extra money periodically, a Home Equity Line of Credit (HELOC) might be your best choice, as it allows you to access cash through a second mortgage while your current mortgage remains unchanged.
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