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Whether you’re a first-time home buyer, relocating, or looking to refinance your existing home loan, 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.

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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.

Learn About Sun East Mortgage Options

Sun East offers many different home financing options.

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Fixed Rate Mortgage

Your principal and interest payment will never increase since your rate won’t change for the life of your loan.

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Adjustable-Rate Mortgage (ARM)

Adjustable-Rate Mortgages (ARMs) have interest rates that change at a pre-determined frequency.

FHA loan written on the model of home.

FHA Mortgage

This is a great alternative for those who need flexibility in credit, income, and equity/down payment requirements.

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VA Mortgage

For veterans, active military, and their families, this program offers lower interest rates with higher loan limits.

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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.

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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
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First Front Door

We participate in the First Front Door (FFD) grant program, helping first-time homebuyers make their dream of homeownership a reality. These grants go fast! Click here to have a Sun East Mortgage Champion contact you when the grant application period opens again.

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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.

Featured Mortgage Rate | 5/1 Arm



Featured Mortgage Rate | 15 Year Fixed



Featured Mortgage Rate | 30 Year Fixed



Featured Mortgage Rate | 30 Year Fixed Jumbo



Featured Mortgage Rate | 30 Year Fixed FHA



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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
Jay Ramsey

Get Personalized Service By Contacting our Mortgage Champion Today

Jay Ramsey
Licensed Mortgage Loan Originator
267-964-8367 |

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!

Frequently Asked Questions About Mortgages

Is my credit score important when applying for a mortgage?

Who qualifies for “first-time homebuyer” benefits?

How can I learn more about what I’ll need to apply for a mortgage?


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 or call 1-877-5-SUNEAST x765.