Hi, I am Don Rizzo, president of Sun Mortgage Company; a registered mortgage broker in New York state and Connecticut.
Sun Mortgage originates loans for one to four family homes, condominiums and co-ops. For your primary residence, second home or investment property.
I’d like to help you understand the mortgage process, so you can make the right decision about which loan is best for you.
Sun Mortgage is a registered mortgage company, which means that we have access to lending programs through many different institutions, including banks, mortgage companies and other institutions you may not have access to as a retail client. This allows you to have more access to more programs through one source.
A common misconception among mortgage applicants is that because they have a relationship with a bank or somebody at the bank, that they will be treated specially or different. By law all mortgage applicants must adhere to the same underwriting criteria, even the chairman of the board of the bank must go through the same process as you and I. Many banks are aware of this, and I result they post average rates, because they know many clients will simply walk in the door and do business with them anyway.
At Sun Mortgage all we do is mortgages, we are not distracted by CDs, checking accounts or other banking products. We are focus on you and your mortgage only.
I’ve put together a series of educational videos to help you understand the documentation and the programs that are available.