Business Details
21 Years
experience
Your Trusted Mortgage Broker in Roseville, CA
Sunstreet Mortgage, established in 2005, has dedicated itself to guiding clients through the home financing journey with expertise and personalized service. Our team of seasoned loan officers brings decades of combined experience in residential mortgage lending, fostering strong relationships with local realtors to streamline the homebuying process. We offer a comprehensive range of loan programsincluding conventional, FHA, VA, USDA, reverse mortgages, and jumbo loanstailored to meet diverse financial needs. With in-house underwriting capabilities and a commitment to rapid closings, we ensure efficiency without compromising thoroughness. Our client-centric approach prioritizes transparency, with professionals available beyond standard business hours to address questions and provide timely updates.Headquartered in Roseville, California, we serve communities across the Southwest from offices in Tucson, Nogales, and Green Valley. Our track record of successful transactions reflects our dedication to helping first-time buyers, refinancers, and investors achieve their homeownership goals. Industry recognition through NMLS licensing and state-specific certifications underscores our adherence to regulatory standards. Client testimonials consistently highlight our team's responsiveness, expertise, and compassionate service delivery. By maintaining direct communication channels between borrowers, underwriters, and closing departments, we eliminate bureaucratic delays while upholding rigorous compliance protocols.
Services
Residential Mortgages
FHA Loans
VA Loans
USDA Loans
Reverse Mortgages
Jumbo Loans
Construction Loans
Manufactured Housing Loans
Details
- Year established: 2005
Highlights and features
- Our loan officers have 17+ years of combined experience in residential lending
- We maintain direct communication channels with underwriters for faster decisions
- In-house processing enables closing timelines significantly below industry averages
- We offer specialized loan programs for unique property types including manufactured homes
- Our team receives consistent recognition for exceptional client service in testimonials
Associations and certifications
- NMLS
What people say
Excellent customer service
Compassionate professionals
Quick closing process
Knowledgeable team
Highly recommend
Services
Residential Mortgages
Our residential mortgage programs provide tailored financing solutions for first-time buyers and experienced investors. With conventional, FHA, VA, and USDA options available, we help clients secure primary residences, vacation homes, and investment properties. Our streamlined process combines competitive rates with personalized guidance through every stage of homeownership.
FHA Loans
FHA-insured loans offer accessible homeownership opportunities with low down payment requirements. Designed for first-time buyers and those with past credit challenges, these programs feature flexible qualifying criteria while maintaining strict underwriting standards. Our specialists guide clients through the unique documentation requirements and benefit structures of FHA financing.
Reverse Mortgages
Reverse mortgage solutions convert home equity into tax-free funds for homeowners aged 62+. These programs enable seniors to finance retirement needs while maintaining residence ownership. We provide comprehensive counseling on financial implications, eligibility requirements, and payment structure options including lump sums, monthly payments, or credit lines.
Construction Loans
Our construction financing programs support custom home building projects from groundbreaking to completion. With phased funding disbursements tied to construction milestones, we offer both short-term construction and permanent mortgage financing. Our team coordinates with builders and contractors to ensure timely funding while maintaining strict budget controls.
Jumbo Loans
Jumbo loan programs address financing needs exceeding conventional loan limits. These non-conforming mortgages cater to luxury property purchases or high-cost markets with specialized underwriting criteria. Our experts provide tailored solutions for clients seeking financing above $484,400 while maintaining competitive rate structures and clear qualification pathways.
Questions
What loan programs do you offer for first-time homebuyers?
We offer FHA loans with low down payments, USDA loans for rural properties, and conventional programs with first-time buyer incentives.
How does your mortgage application process work?
The process starts with a complete loan application, followed by document verification, property appraisal, underwriting review, and final closing preparation.
Can you help with refinancing existing mortgages?
Yes, we offer rate-and-term refinancing, cash-out refinancing, and streamline options for conventional, FHA, and VA loans.
What are your current mortgage interest rates?
Rates vary daily based on market conditions. Contact us for personalized rate quotes tailored to your specific loan program and credit profile.
How long does the mortgage closing process take?
Our average closing timeline is 21-30 days, with expedited options available for qualified borrowers using our in-house underwriting process.
Do you offer loans for manufactured homes?
Yes, we provide specialized financing for manufactured housing with flexible terms and competitive rates through our dedicated loan programs.
