SunnyHill Financial Reviews
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About SunnyHill Financial
SunnyHill Financial (NMLS #1708856) offers a wide range of mortgage loans in 24 states and Washington, D.C. It was founded in 2018 and is headquartered in San Francisco, California. You can use its learning center to learn more about how the mortgage process works and get a personalized rate quote online.
Visit www.sunnyhillfinancial.com- Purchase and refinance options
- Government-backed loans
- Personalized online quotes
- Limited information about its loans online
- Only available in 24 states
SunnyHill Financial publishes some of its current mortgage rates on its website. For a U.S. Department of Veterans Affairs (VA) home loan, it offers a 30-year fixed-rate loan with an annual percentage rate (APR) of 5.327% as of publishing.
To get a better idea of its rates, it’s best to reach out for a personalized quote or contact SunnyHill Financial directly. Generally, mortgage rates will vary based on your credit score, the type of loan, the loan amount, your down payment and the loan term, among other factors.
SunnyHill Financial loan types
SunnyHill Financial appears to offer a wide variety of home loans, including purchase and refinance loans. Some of its team members’ areas of specialization include:
- First-time homebuyer loans
- Federal Housing Administration (FHA) loans
- U.S. Department of Veterans Affairs (VA) loans
- U.S. Department of Agriculture (USDA) loans
- Commercial loans
- Cash-out, rate and term refinance loans
Note that the maximum loan you can get with SunnyHill Financial generally depends on the type of loan you apply for and your financial qualifications.
SunnyHill Financial requirements
SunnyHill Financial doesn’t disclose its specific borrower requirements online. Generally, minimum requirements will vary depending on the type of loan you apply for.
For example, FHA loans require a minimum credit score of 500 for down payments of 10% and a minimum credit score of 580 for down payments of 3.5%, though some lenders set their own minimum requirements for FHA loans. For VA and USDA loans, no down payment is required.
SunnyHill Financial application process
SunnyHill Financial’s application can be completed online. To get started, you can get a free personalized quote on its website or reach out for more information. For the application, be prepared to provide information about your income, assets, the type of property you’re interested in and how much you’re looking to borrow.
SunnyHill Financial application process features
The table below shows some of SunnyHill Financial’s application process features:
| Features | Availability |
|---|---|
| Online application | |
| Mobile document upload | |
| Publishes rates online | Some |
| Offers rate lock | Not disclosed |
| Offers prequalification (no hard credit check) | |
| Certified approval letter | Not disclosed |
| State availability | 24 |
| Number of branches | N/A |
SunnyHill Financial costs and fees
SunnyHill Financial doesn’t disclose its specific costs and fees for its loans online. Generally, you can expect to pay between 2% and 5% of your loan amount in closing costs.
FAQ
Is SunnyHill Financial legit?
Yes, SunnyHill Financial is a legitimate mortgage lender. It was founded in 2018 and it’s licensed with the Nationwide Multistate Licensing System (NMLS).
What type of loans does SunnyHill Financial offer?
SunnyHill Financial appears to offer a wide range of purchase and refinance loans. Some of its loans may include FHA loans, VA loans, USDA loans, commercial loans, cash-out refinances and rate-and-term refinances.
Where is SunnyHill Financial available?
SunnyHill Financial operates in 24 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Iowa, Louisiana, Maryland, Michigan, Minnesota, Nevada, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin. It’s also available in Washington, D.C.
Still have questions?
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SunnyHill Financial Company Information
- Company Name:
- SunnyHill Financial, Inc.
- Address:
- 600 California St., Ste. 12-032
- City:
- San Francisco
- State/Province:
- CA
- Postal Code:
- 94108
- Country:
- United States
- Website:
- www.sunnyhillfinancial.com