Buying a Home
Low rates and current down payment programs make now more than ever a great time to buy a new home. Let us help you plan for the future.
Buying a home can be both exciting and intimidating. Rest assured Pacific Sunrise Mortgage will be with you every step of the way to answer any questions.
We provide FHA, VA, and Conventional loans and offer the widest range of products in the mortgage industry. We serve Riverside County, San Bernardino County, Los Angeles County, San Diego County and surrounding areas and states including Arizona. We offer a mortgage loan program for virtually every type of home, borrower, and scenario.
A mortgage loan not insured by any government program. Conventional loans are the most common type of mortgage.
A loan subsidized by the government, which protects lenders against defaults on payments.
Borrow the purchase price of a home, plus finance money for renovations with a single loan and closing.
Top reasons to buy a home
Home loan rates are at all time lows... for now. Rates won't stay low forever. Get in now to take advantage of the lowest rates in years.
Growing your family or simply need more space? It would make sense to purchase a home of your own instead of renting. This gives you total control over your property while building equity in your home.
Home values have been increasing steadily over the past several months. With the continued recovery of the economy, home values will only continue to rise. With rates at all time lows, now is the perfect time to purchase a home.
First Time Homebuyers
Why rent, when you can afford to own? With some many options and benefits for First Time Home Buyers, it's a great time to buy your first home.
Not only is buying your first home a big responsibility, it is also a huge opportunity. Let Pacific Sunrise Mortgage guide you through the home buying process. We will help you establish your budget, determine your income, debts and other factors so that you can secure financing at a great interest rate and an affordable monthly mortgage payment.
You will be asked to provide documents and information to get started on your loan. Use the checklist below to see what items we'll require:
• Most recent paycheck stubs for one month.
• W2s and federal tax returns from 2014, 2015, 2016
• Last two (2) months bank statements (all pages)
• Most recent statements from any retirement/investment accounts
• Copy of driver's license and social security card
• Signed disclosures (click here to download)
• Homeowner's insurance information
• Mortgage statements from each loan
• Rental agreements
• Name, address, and phone number of Landlord
Buying a Fixer Upper
Buying a fixer-upper can be a great way to extend your buying power, get more house for your money and extend your ability to live in the location of your dreams.
Buying a Vacation Home
Vacation homes can enhance your quality of life by creating a home away from home in a location that offers benefits that your primary residence cannot. Vacation or second homes can be readily financed for borrowers with good income, credit and moderate debt.
Investing in residential real estate can be a wonderful way of increasing your net worth and diversifying your investment portfolio. Competitive financing is available for well-qualified borrowers.