Opportunity is Knocking

Our expert mortgage team can help you open the door to homeownership. We offer a variety of mortgage loan solutions to meet your needs.

We offer lender credits to help with closing costs1 and down payment assistance may be available through our programs with various government and non-profit organizations.

Not sure if you are ready for homeownership? Our expert team will help guide you on the path to homeowners and can help potential buyers build credit through the Credit Builder Program. The Credit Builder Program is a combination loan and savings program that may help someone establish a good payment history, which is an important step in building a better credit score.

Our Mortgage Solutions

Not every home is the same. We offer a variety of mortgage and refinance solutions based on your qualifications, giving you the resources to open the door to homeownership.

HomeReady™ Mortgage Program

  • Lower down payment requirement of 3%
  • Don’t need to be a first-time homebuyer
  • Seller can pay your closing costs
  • Compatible with gift from family member or friend
  • Open Door Credit Program (if applicable)
  • Sunrise Lender Credit (if applicable, please contact your mortgage loan officer for more information)
  • Grants may be available
  • Home Buyer Education required

Open Door Mortgage Program

  • 10% down payment requirement
  • Don’t need to be a first-time homebuyer
  • Seller can pay your closing costs
  • Compatible with a gift from a family member or friend
  • Open Door Credit Program (if applicable)
  • Sunrise Lender Credit (if applicable, please contact your mortgage loan officer for more information)
  • ITIN eligible
  • Home Buyer Education required

1) Contact your mortgage loan officer for more information, restrictions apply

Connect with a Sunrise Lender

James Iacarella
VP, Mortgage Development Officer
NMLS #343004
(651) 265-5681
James.Iacarella@SunriseBanks.com

Fernando S. Urbina
VP, Mortgage Loans/Mortgage Loan Officer
NMLS #321741
(651) 927-1660
Fernando.Urbina@SunriseBanks.com
Yo Hablo Español

Coreen M. Ricci
VP, Mortgage Loans
NMLS #524059
(651) 927-1669
Coreen.Ricci@SunriseBanks.com

Andrea Altamirano
Mortgage Loan Officer
NMLS #1234641
(651) 523-7850
Andrea.Altamirano@SunriseBanks.com
Yo Hablo Español

Resources

Home Equity Lines and Loans

Mortgage Calculators

Home Purchase Basics

Pre-Application Worksheet

Home Loan Toolkit

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