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Whatever your financial plan, Sunmark has home loan options that can help you reach your goals.

  • Buy your first home
  • Renovate your home
  • Refinance for better interest rates to cut the term of your loan or save on your monthly payments
  • Use your home’s equity to free up funds for other projects

If you’re just starting out or starting over and have limited funds available for a down payment, Sunmark has mortgage programs for credit-qualified individuals looking to finance up to 97% of their mortgage.

Competitive Rates
Sunmark loves to save you money, and our

mortgage rates are consistently below industry averages.

No or Low Closing Costs & No PMI Options
You can build these options into your mortgage.

Just ask for details!

Local Service
Our team is located in our Latham headquarters, and our underwriting, processing and closing staff are all in-house.

Fast Purchase Commitments
We’ll have your mortgage commitment letter ready in

48 hours or less.

Instant Preapprovals
Knowing how much house you can afford can make the search for your new home a little easier.

Conventional, FHA, VA, USDA & End Loans
We offer many different types of loans to fit your needs, and we’ll help you figure out which one is right for you and your situation.

FAQ

We like the lower payments of a 30-year mortgage but would also like to build equity and pay off our home more quickly. Should we go with a 15-year mortgage instead?

If you’re having difficulty deciding between two mortgage terms, you might want to consider taking out a longer mortgage term to give your budget the flexibility of having a lower payment requirement — just in case — while still giving yourself the option of paying additional principal since there is no prepayment penalty. In general, mortgages with lower terms have lower interest rates making it possible to build equity in your home faster or save in preparation for retirement or a child’s education more quickly.

If we want to pay extra, do Sunmark mortgages have a prepayment penalty?

Sunmark mortgages have no prepayment penalty, so you can pay extra toward your principal any time you wish.

We’re saving for a down payment, but worry the right house will pass us by before we reach our goals. How much down payment is enough?

Sunmark has mortgage programs for credit-qualified individuals looking to finance up to 97% of their mortgage. If you’re just starting out or starting over and have limited funds available for a down payment, you may want to consider this option.

My home needs a major renovation. What is my best loan option?

Home renovation goals sometimes require more than one loan. If you’re looking to accomplish major home renovations, Sunmark has one answer: our 203(k) Rehab loan.

  • One application
  • One closing
  • One set of closing costs
What projects are allowed with a home renovation loan?

Accomplish your renovation ideas and create your dream home! A few ideas:

  • Add more living space
  • Remodel kitchens and bathrooms
  • Replace flooring, siding, gutters, roof and more
  • Upgrade heating and cooling systems, electrical and more

These loans are guaranteed and administered by the Department of Veterans Affairs and are available to qualified individuals who have served in the armed forces. If you’re a qualified veteran and wish to purchase a home, a VA loan may be right for you. For more information, check out the VA’s Home Loan Guaranty program online.

We’ve built up some equity in our home and would like to take advantage of today’s lower interest rates and get lower payments. What are our refinance options?

Homeowners choose to refinance their mortgages for a variety of reasons:

  • Lower interest rates
  • Take advantage of an improved credit rating
  • Debt consolidation
  • Home improvements

Sunmark can also refinance your first mortgage into a second mortgage if you have built up equity in your home. This means that we will pay off your first mortgage and roll it into a home equity loan in which Sunmark is the first lien holder.

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Unmarked World Map

We are Unmark Cleaning Services, we introducing to all new sanitizing foot path mats. All over the world, we all are affected CORONA VIRUS (COVID-19). We need to keep all of our space clean and tidy. As we know 50% of bacteria & virus stick in to our foots so this type of floor mat will help you to kill 99.9% bacteria & virus. We will make all.