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Apply Now ESTIMATE YOUR PAYMENTS
Ready to put down roots? Sunward members get great rates and unsurpassed service. First-time homebuyers only need a down payment of 3% of the home's value in most markets.
As your local credit union, we can provide many advantages large banks can't, such as local decisions and servicing for the life of your loan, low fees with quick closings, and no private mortgage insurance (PMI) requirement.
Apply online now or call 505.237.7161 or 800.947.5328 x7161 to speak with a loan officer. You can also email us at mortgages@gosunward.org.
Why is it important to get pre-approved?
A real estate agent helps homebuyers by educating them about the market, homes, and neighborhoods, negotiating offers, and meeting contract deadlines.
Sunward’s adjustable rate first mortgages are a smart choice for many first-time homebuyers. You'll save on closing costs and lock in rates and payments for fifteen-year intervals. Most first-time homebuyers move or refinance within eight years, so locking in a long term with high closing costs may not be in your best interest. But if you're looking for even longer-term stability, Sunward has fixed rate mortgages with low rates and terms that fit your needs. Sunward also offers construction and vacant land loans.
Your loan officer and real estate agent will see you through the negotiations, inspections, and paperwork that lead up to the day you'll be handed the keys to your new home. Have questions? Call 505.237.7161 or 800.947.5328, ext. 7161 to talk to a loan officer. You can also email us at mortgages@gosunward.org.
15/15 adjustable rate first mortgages are for owner-occupied properties. Construction loans are excluded. If loan does not close, fees incurred will be charged to the member. All loans subject to credit approval. Rates subject to change without further notice. Available rate based on credit history. Not everyone will qualify for lowest rate. Contact Sunward for details.
3% cash required from buyer. 15/15 is