Business Details
8 Years
experience
Your Trusted Mortgage Partner in Dallas, TX
At Sunray Mortgage, we specialize in providing tailored mortgage solutions for self-employed individuals, 1099 contractors, and small business owners. Our innovative Cloud Mortgage Platform and dedicated Loan Experts guide clients through every step of the home loan process, offering personalized service that prioritizes transparency and simplicity. With expertise in conventional, FHA, VA, jumbo, and bank statement loans, we help clients secure financing that aligns with their unique financial situations.Our team, led by experienced Loan Experts like Michael, has served over 90 clients this year alone, focusing on Dallas and surrounding areas. We pride ourselves on eliminating unnecessary complexity, offering competitive rates, and leveraging technology to streamline the mortgage experience while maintaining a human-centered approach.
Services
Conventional Loan
FHA Loan
VA Loan
Jumbo Loan
Refinance Loan
Home Equity Loan
Bank Statement Loan
Fixed Rate Loan
Adjustable Rate Mortgage
Investment Property Loan
Details
- Year established: 2018
Highlights and features
- We offer a state-of-the-art Cloud Mortgage Platform for seamless loan processing.
- Our dedicated Loan Experts provide personalized guidance through the entire mortgage journey.
- We specialize in bank statement loans for self-employed individuals with complex income structures.
- Our team has served over 90 clients this year with transparent, no-nonsense mortgage solutions.
- We focus exclusively on mortgage products tailored to non-traditional income scenarios.
What people say
Organized, thorough, and professional
No-nonsense approach
Dedicated Loan Experts
Streamlined mortgage process
Tailored solutions
Services
Conventional Loan
Conventional loans suit first-time buyers with stable credit and down payment capacity. These fixed-rate mortgages avoid private mortgage insurance requirements, offering predictable monthly payments. Ideal for borrowers seeking straightforward financing without government-backed programs.
FHA Loan
FHA loans assist low-to-moderate income buyers with minimal down payments and flexible credit requirements. Backed by the Federal Housing Administration, these mortgages provide accessible homeownership opportunities for financially challenged applicants.
VA Loan
VA loans offer zero-down payment options for eligible veterans, active-duty personnel, and military spouses. Guaranteed by the Department of Veterans Affairs, these mortgages provide favorable terms and reduced closing costs.
Jumbo Loan
Jumbo loans finance high-value properties exceeding conforming loan limits. These premium mortgages require strong credit profiles and lower debt-to-income ratios, catering to buyers of luxury or high-priced homes.
Bank Statement Loan
Bank statement loans evaluate business cash flow instead of traditional tax returns. Designed for self-employed applicants, these mortgages use 12-24 months of bank records to verify income for mortgage qualification.
People
Michael
Loan Expert
Michael specializes in mortgage solutions for self-employed professionals, leveraging 10+ years of industry experience to guide clients through complex loan scenarios while maintaining a client-first approach.
Questions
What mortgage options exist for self-employed individuals?
We offer bank statement loans that use business cash flow instead of tax returns for qualification, specifically designed for self-employed applicants.
How does Nuwave simplify the mortgage process?
Our Cloud Mortgage Platform automates document verification while dedicated Loan Experts provide personalized guidance through every step of the process.
What loan types do you specialize in?
We specialize in conventional, FHA, VA, jumbo, refinance, home equity, and bank statement loans for both primary residences and investment properties.
Can I get a mortgage without tax returns?
Yes, our bank statement loans allow qualified applicants to use 12-24 months of business bank statements instead of traditional income documentation.
What areas do you serve?
While based in Dallas, TX, we provide mortgage services to clients nationwide through our digital platform and remote closing capabilities.
