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Your Trusted Mortgage Consultant in Tampa, FL
Mortgages with Sunny is a dedicated mortgage consulting firm led by Sunny Fonseca, a seasoned professional with extensive experience in the South Florida mortgage industry. Since launching her career during the 2008 financial crisis, Sunny has built a reputation for delivering personalized mortgage solutions tailored to clients' unique financial goals. Our firm specializes in guiding first-time homebuyers, refinancers, and investors through complex loan processes, including conventional, FHA, VA, jumbo, and non-prime loans. We prioritize transparency, education, and long-term financial security, ensuring clients understand every step of their mortgage journey. With a focus on community impact, we combine deep industry expertise with a commitment to helping families achieve homeownership and financial freedom.Our streamlined process includes pre-approval analysis, document preparation, and seamless closing coordination, supported by 24/7 client accessibility. Recognized for our ethical standards and client-centric approach, we have earned consistent praise for exceptional service and successful loan closures. Backed by West Park Mortgage Group, LLC, we maintain rigorous compliance with regulatory standards while delivering innovative solutions for diverse client needs. Our track record of navigating industry challenges demonstrates our resilience and dedication to client success. Whether purchasing a primary residence, investment property, or renovation project, clients trust us to provide expert guidance and competitive financing options.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Non-Prime Loans
Highlights and features
- We offer 15+ years of mortgage industry experience navigating economic crises.
- Our team provides 24/7 personalized mortgage consulting and document assistance.
- We specialize in complex loan types including FHA 203K renovation and jumbo loans.
- Our process includes free credit and debt analysis for tailored mortgage plans.
- We maintain direct lender relationships to streamline loan approvals and closures.
Associations and certifications
- NMLS
What people say
Top notch service
Excellent customer service
Amazing
5 Star service
Very helpful
Services
Conventional Loans
Conventional loans offer flexible terms for borrowers with strong credit profiles. These mortgages aren't government-insured but often feature lower fees and competitive rates based on credit scores. Ideal for clients seeking higher loan limits without mortgage insurance requirements.
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and lenient credit requirements. Backed by the Federal Housing Administration, these mortgages suit first-time buyers and those rebuilding financial stability through insured lending programs.
VA Loans
VA loans offer zero-down payment options for eligible veterans and military families. Guaranteed by the Department of Veterans Affairs, these mortgages provide favorable terms and limited closing cost restrictions for qualified service members and spouses.
People
Sunny Fonseca
Loan Officer
With over 15 years in the mortgage industry, Sunny Fonseca specializes in Florida home loans, helping clients achieve homeownership through personalized consulting and expert financial guidance.
Questions
What mortgage loan types do you specialize in?
We specialize in conventional, FHA, VA, jumbo, and non-prime loans, including FHA 203K renovation loans for property improvements.
How does your mortgage process work?
Our process includes financial analysis, pre-approval, document submission, underwriting, and closing coordination with real-time client updates throughout.
Do you offer first-time homebuyer programs?
Yes, we provide FHA loans with 3.5% down payments and educational resources specifically for first-time homebuyers in Florida.
Can you help clients with credit challenges?
Yes, we specialize in working with clients rebuilding credit, offering tailored solutions and expert guidance to improve loan approval chances.
What areas do you serve?
We primarily serve Tampa, Miami, and all South Florida regions with both in-person and virtual mortgage consultation options.
