Business Details
Your Trusted Mortgage Partner in Land O Lakes, FL
At SunPoint Home Loans, we treat each customer as an individual, not a number. We avoid placing clients into rigid loan profile formulas created by the banking industry, instead using common sense to help you obtain the best loan possible. With 19 years of experience, we represent a wide range of A-rated lenders, from those offering first-quality rates to private portfolio lenders with expanded underwriting guidelines, ensuring solutions for even the most unique client scenarios. Our locally established mortgage brokerage maintains strong partnerships with leading wholesale mortgage banks nationwide, allowing us to secure competitive rates on all loan programs, including fixed-rate, FHA, VA, jumbo, and refinance options.We pride ourselves on excellent communication, easy accessibility, and a 15-day average closing time, guiding clients through every step of the home loan process. Our team of nine local employees has earned 200+ five-star reviews by prioritizing personalized service and client education, offering 27 educational articles to help clients navigate home buying and refinancing decisions. Whether you're a first-time homebuyer or an experienced investor, we are committed to helping you achieve your goals through tailored mortgage solutions that align with your financial situation and long-term objectives.
Services
Fixed Rate Mortgage
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Refinance Mortgage
Cash Out Refinance
Rehab Loan
USDA Loan
Highlights and features
- We offer 19 years of mortgage industry experience.
- Our team includes 9 local mortgage professionals.
- We partner with A-rated lenders for competitive rates.
- We provide personalized loan scenarios for unique client needs.
- We maintain a 15-day average loan closing time.
Associations and certifications
- NMLS
What people say
19 years experience
15-day average close
200+ 5-star reviews
Personalized loan scenarios
Excellent communication
Services
Fixed Rate Mortgage
Our fixed-rate mortgages offer consistent interest rates and payments throughout the loan term. Ideal for clients seeking predictable monthly expenses, this service includes 15-, 20-, and 30-year options. We help borrowers secure competitive rates through partnerships with A-rated lenders.
VA Home Loan
VA loans provide flexible mortgage options for veterans and active military members. These government-backed loans offer $0 down payment eligibility and favorable terms. Our team specializes in guiding eligible clients through the VA loan application process.
Cash Out Refinance
This refinance option allows homeowners to convert equity into cash. Clients can consolidate high-interest debt or fund home improvements while securing lower interest rates. We tailor solutions for clients with varying credit profiles.
FHA Home Loan
FHA loans offer government-insured financing with flexible qualification requirements. Designed for first-time buyers and those with limited credit history, these loans feature low down payment options and competitive rates through approved lenders.
Jumbo Home Loan
Jumbo loans cater to high-value property purchases exceeding conventional loan limits. Our portfolio lenders provide customized terms for luxury homes or investment properties, with dedicated support for complex financial situations.
Questions
What mortgage options do you offer?
We provide fixed-rate, FHA, VA, jumbo, refinance, cash-out refinance, rehab, and USDA loans tailored to individual financial situations.
How long does the loan process take?
Our average closing time is 15 days, with experienced staff ensuring efficient processing from application to completion.
Can I refinance with bad credit?
Yes, we work with lenders offering flexible terms for clients with less-than-perfect credit to lower payments or consolidate debt.
Do you serve first-time homebuyers?
Yes, we specialize in guiding first-time buyers through loan options, down payment assistance, and closing processes with personalized support.
Are VA loans available for military families?
Yes, we offer $0 down VA loans for veterans and active military members with expanded underwriting guidelines and dedicated assistance.
