Conventional
The everyday mortgage — not government-backed, and flexible on property type.
Good fit if
- Steady income and solid credit
- Buying a primary home, second home or rental
- Want to avoid government-loan rules
Mortgage broker · Tarzana, CA
Let’s get you home.
We compare loan options across lenders, explain every one in plain English, and stay a call or text away from first question to keys.
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What are you trying to do?
FHA
A government-insured loan with more forgiving credit and down-payment requirements.
Good fit if
- First-time buyers
- Credit that's still being built
- A smaller down payment saved up
Jumbo
For loan amounts above the conforming limit — which, in a lot of LA, is just a normal house.
Good fit if
- Buying in a higher-priced neighborhood
- Strong income and reserves
USDA
Government-backed financing for eligible homes in designated rural and suburban areas.
Good fit if
- The property is in a USDA-eligible area
- Household income within program limits
Refinance
Replace your current mortgage to change your rate or term — or take cash out of your equity.
Good fit if
- Lower monthly payment or shorter term
- Cash for a remodel, tuition or debt payoff
- Dropping mortgage insurance
DSCR
An investor loan that qualifies on the property's rental income instead of your pay stubs or W-2s.
Good fit if
- Buying or refinancing a rental
- Write-offs make your tax returns look thin
- Growing a portfolio
Non-QM
For income that doesn't fit the standard boxes. Self-employed? You can often qualify with bank statements instead of tax returns.
Good fit if
- Self-employed or 1099
- Irregular or multiple income sources
- Strong assets, unusual paperwork
Construction
Funds released in stages as your build progresses, then converted to a regular mortgage when it's done.
Good fit if
- Building from the ground up
- Major renovation or ADU
- Paying contractors as work is completed
Reverse mortgage
For homeowners generally 62+: turn part of your home's equity into cash. You stay in your home and keep paying taxes, insurance and upkeep.
Good fit if
- Retired or retiring
- Significant equity in your home
- Want to supplement retirement income
VA
The home loan you earned. Backed by the U.S. Department of Veterans Affairs, with some of the most flexible terms out there.
Good fit if
- Veterans and active-duty service members
- Eligible surviving spouses
- Buying or refinancing
Foreign National
Not a U.S. citizen? We have a dedicated program for buying or refinancing a home in the U.S. — single-family homes, condos and townhomes.
Good fit if
- Non-U.S. citizens, including self-employed
- No U.S. credit history yet
- Purchase or refinance
How it works
From first call to keys.
Talk it through
Tell us what you’re trying to do. We’ll look at income, savings and goals and tell you honestly which programs fit.
Get pre-approved
Apply on our secure online application. We review credit, income and assets and give you a pre-approval letter to shop with.
Pick your loan
Once you’re in contract, we compare options and you get a Loan Estimate laying out the terms and costs before you commit.
Processing & underwriting
Upload requested documents through our secure portal. We order the appraisal, handle underwriting and keep you posted.
Close & get your keys
Review your Closing Disclosure, sign, and the place is yours.
Payment estimator
Run your own numbers.
Plug in a price, your down payment and the rate you’ve been quoted to estimate principal and interest. Want real numbers for your situation? That’s what we’re here for.
Get my actual quoteReviews
In our clients’ words.
“Just closed on my house. Jack took care of me A-Z. The amount of times I called him… I can’t even count lol. He picked up every time and got me a great rate from my house. Don’t even think twice, just go straight to Sunny Home loans and ask for Jack.”
“Jack was responsive and helpful throughout the whole process. We couldn’t be more thankful that he was the one to help us through our first time home buying process. Highly recommend coming here when looking to get a new loan.”
“It was a fantastic experience working with Jack and his team on our refinance. The transaction closed on time, and the process was smooth from start to finish.”
Our team
Ask for Jack.
Jack MuradyanMortgage Broker · NMLS #1663642[email protected]
Our clients keep saying the same thing: we answer. Whether you’re buying your first place or your fifth rental, you’ll work with someone who knows your file and picks up the phone.
- Abraham KrekourianLoan Officer · NMLS #2448523
- Aram MuradyanLoan Officer · NMLS #2671752
- David MkrtchyanLoan Officer · NMLS #2032153
- Daniel ZardarianLoan Officer · NMLS #2163988
- Grigor AjaryanLoan Officer · NMLS #2029430
- Harout Ter-PapyanLoan Officer · NMLS #2543120
- Hmayak GevorgyanLoan Officer · NMLS #2340228
- Michail NtatianidisLoan Officer · NMLS #2310845
- Minas DovlatianOperations Manager · NMLS #2340228
- Nina BalayanLoan Officer · NMLS #2333820
FAQ
Straight answers.
Why use a broker instead of my bank?
A bank can only offer its own loans. As a broker, we compare options from multiple wholesale lenders and match you with the one that fits your situation, then manage the process for you.
Why don’t you post rates on the site?
Rates move daily and depend on your credit, down payment, property and program. Instead of a teaser number, we’ll quote your actual numbers. Call us or start an application.
What do I need to get pre-approved?
Usually a photo ID, recent pay stubs and W-2s (or tax returns), and recent bank statements. Self-employed? Bank statements may be enough with a Non-QM loan. We’ll tell you exactly what your program needs.
Can I buy with less than 20% down?
Often, yes. FHA, VA, USDA and many conventional loans allow less than 20% down. We’ll walk you through what each option means for your monthly cost.
I’m buying an investment property. Do my tax returns matter?
With a DSCR loan, we qualify you based on the property’s rental income, not your personal income documents.
How do I send documents safely?
Never email sensitive documents. Use our secure document upload, or check requested documents if we’ve asked you for something specific.
Contact
Come say hi.
Ready when you are.
Start your application online. You can save it and pick up where you left off.
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