Mortgages Whether you’re a first-time home buyer, relocating, looking to refinance your existing home loan or just want to review our mortgage calculator, we are your trusted resource. You can count on Sun East for personal service, competitive rates, and low fees to meet your particular home buying or refinancing needs. Home Financing to Meet Your Budget and Lifestyle We offer Fixed-Rate, Adjustable-Rate, FHA & VA, and Jumbo Mortgages as well as special mortgage options to fit your lifestyle. Sun East is a full-service mortgage provider, and we’re here to support you from application to closing. Check Today’s Rates Apply Now Shop for a Home Learn About Sun East Mortgage Options Sun East offers many different home financing options. Fixed Rate Mortgage Your principal and interest payment will never increase since your rate won’t change for the life of your loan. Adjustable-Rate Mortgage (ARM) Adjustable-Rate Mortgages (ARMs) have interest rates that change at a pre-determined frequency. Community Heroes Mortgage The Community Heroes program offers eligible Health and Wellness, Public Safety, and Public Education workers a discount off their approved mortgage rate for a conventional loan. Learn More Medical Professional Mortgage For qualifying medical professionals. Medical Professional Mortgages have high loan limits and these no-money-down mortgage solutions don’t require Private Mortgage Insurance (PMI). Learn More FHA Mortgage This is a great alternative for those who need flexibility in credit, income, and equity/down payment requirements. VA Mortgage For veterans, active military, and their families, this program offers lower interest rates with higher loan limits. Utilize a Cash-Out Refinance to consolidate debt, make home improvements, or fund other large purchases With Cash-out Refinancing you get a brand-new loan to replace your old one while also withdrawing part of your home equity at closing. This home equity is paid out to you as cash in a lump sum. You can then use the money as you see fit. Apply Now Renting vs. Owning Sun East offers mortgage solutions for all situations. Monthly mortgage payments can be LOWER than RENT. Plus, you build equity in your home with every payment, which allows you to use the accrued equity in your home for other pursuits. In many situations, there are down payment assistance programs available for qualified borrowers. Mortgage Calculator Featured Mortgage Rate | 5/1 Arm 6.625% See More Rates Featured Mortgage Rate | 15 Year Fixed 5.375% See More Rates Featured Mortgage Rate | 30 Year Fixed 5.750% See More Rates Featured Mortgage Rate | 30 Year Fixed Jumbo 6.250% See More Rates Featured Mortgage Rate | 30 Year Fixed FHA 6.250% See More Rates Mortgage Benefits The benefits of applying for a mortgage with Sun East include: Competitive rates Various mortgage terms Low down-payment programs available Streamlined loan process Dedicated loan financing team Get Personalized Service By Contacting our Mortgage Champion Today Jay RamseyLicensed Mortgage Loan OriginatorNMLS#71727267-964-8367 | jramsey@suneast.org Jay has over 30 years of mortgage banking experience providing financing for the purchase of or refinancing of residential real estate. He focuses on educating members on the home-buying process and finding the best loan program to suit your needs. Jay works with Conventional, FHA, VA, USDA, and State mortgage programs. Let him know how he can put his experience to work for you! Mortgage Inquiry HiddenNext Steps: Sync an Email Add-OnTo get the most out of your form, we suggest that you sync this form with an email add-on. To learn more about your email add-on options, visit the following page (https://www.gravityforms.com/the-8-best-email-plugins-for-wordpress-in-2020/). Important: Delete this tip before you publish the form.Interested in learning more about how a Sun East Mortgage can benefit you? Please fill out the below form and we will reach out to discuss your interests and needs.Your Name(Required) First Last How Can We Reach You?We would love to chat with you. How can we get in touch?Your Phone(Required)Your Email Address Preferred Method of ContactPreferred Method of ContactEmailPhoneTextWhat's on your mind?Have a question for us? Ask away. Please refrain from providing any personal account information within this form. Your Comments/Questions Did you know you can consolidate your loans with a Mortgage Refi? Frequently Asked Questions About Mortgages Is my credit score important when applying for a mortgage? Yes, the minimum credit score required for an FHA mortgage is 580 or higher. The minimum credit score required for a conventional mortgage is 620 or higher. Who qualifies for “first-time homebuyer” benefits? A first-time homebuyer is purchasing a home for the first time OR is someone who has owned a home in the past, but has not owned a home within the past 3 years. How can I learn more about what I’ll need to apply for a mortgage? Our mortgage loan officers are here to help you become pre-approved for home financing. Email mortgagechampions@suneast.org or call 1-877-5-SUNEAST x765. Disclaimer The rates above reflect the best par rates available today. Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 780 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 60%. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. Sun East Federal Credit Union partners with First Heritage Realty Alliance in order to extend real estate services to our membership consistent with the attention and quality that we provide for all of our members. While Sun East has an ownership interest in First Heritage Realty Alliance and First Heritage Financial, LLC, Sun East is NOT a real estate company. First Heritage Realty Alliance is the real estate company that we trust for all of our members. Please note, our partnership with First Heritage Realty Alliance is for the convenience of our members, but is not required. Our members are free to utilize, and we are happy to work with, any real estate company of our members’ choosing. Sun East Federal Credit Union, NMLS#433893, and First Heritage Financial, LLC, NMLS#506371, are equal opportunity lenders. Rates are subject to change daily based on market conditions and creditworthiness. Offer not valid on existing Sun East loans and is subject to end without notice; other terms and conditions may apply. For more information, visit https://suneastfcu.mymortgageapps.org/suneast or call 1-877-5-SUNEAST x765.
