103%: This program will provide 100% financing for borrowers plus up to 3% of the  loan amount to apply towards closing cost.  There is no mortgage insurance requirement.

Second Home Financing: A wide variety of plans are available to assist buyers with the purchase of a vacation home, providing up to 90% of the purchase price, depending on the amount. Loan amounts from $20,000 to $10,000,000. Payment terms include 15 and 30 year fixed rate, balloon loans and a typical selection of ARM programs.

Investor/Rental Property:  Now Sunrise  is offering 95% LTV of the purchase price,  on investor property.

95% Rate or Term Re-financing: If you financed your home during a period of higher interest rates we can place you in a lower rate program for up to 95% of the appraised value.

No Income Verification: Sunrise offers financing to self-employed borrowers or special situation individuals who do not wish to provide tax returns, paystubs or company P&L's to confirm income. We accept income as stated and only confirm employment to the extent of position and length of time. These programs will advance up to 80% of the appraised value.

NO Doc Program: The term NO is often confused with No Income Verification. There is significant difference in the program requirements for each. Our NO Doc program requires no proof of income and does not require the borrower to provide any information regarding employment. These loans are suitable for people with a down payment of 30-40% who are making changes in residency which will impact the analysis of stable income.

Fixed Rate Home Equity Loans: Sunrise can provide equity financing for up to 85% of the appraised value at fixed interest rates as opposed to variable rates offered by most banks. Payment terms are available up to 180 months with no Origination or Brokers Fees.

Low Down Payments & Closing Costs: Concerned about not having enough savings to cover a down payment and closing costs? Sunrise offers a variety of loan programs to help close the gap !
 

100% LTV Conventional Loans
80-10-10 Loan: Combines an 80% LTV 1st Mortgage, a 10% 2nd Mortgage and a 10% seller carryback , eliminating the down payment and PMI insurance costs
80-15-5 Loan: Another possibility …combines an 80% LTV 1st Mortgage, a 15% 2nd Mortgage and a 5% seller carry-back.
70-30 Combo Loan: Combines a 70% 1st Mortgage and a 30% 2nd Mortgage…. Again no down payment and no PMI insurance.
No Cost Loans: Contact us for information on how to reduce your required funds to close by eliminating loan points, loan fees, title fees, escrow fees and other closing costs.

125% Home Equity Loan: If you need cash for any reason, we have credit lines and fixed rate second programs allowing you to cash out up to 125% of the value of your house. For example, if your house is worth 200,000 and your first mortgage is 160,000, 125% of 200,000 is $250,000, so you could obtain a loan for $90,000.

We are anxious to help you achieve your Dream ! Contact us today!