Fast Answers

Why Sun West? 

 MORTGAGE EXECUTIVE 

 Sun West is a Direct Lender 

and Servicer with in-house services 

 v v v v Proprietary Technology – 

24/7 access to loan 

 In-house Underwriting and Funding 

 Customer support throughout the loan process 

Services 93% of the loans funded* 

 MORTGAGE COMPANIES IN AMERICA 

 TOP MORTGAGE LENDER 

*Based on the period Jan 1, 2018 to June 19, 2020. 

 SCOTSMAN GUIDE 

 A company that has been in business for almost 40 years! 

 C G Caroline Gerardo Barbeau 

 NMLS 324982 Loan Officer | 

M: (949) 784-9699 

 caroline.gerardo@swmc.com 

 20 Pacifica, Ste.460 Irvine, CA 92618 

 Branch NMLS 2061392 

Our products and services have no affiliation with or endorsement from any government agency or body. 

 For California residents. 

C G Caroline Gerardo Barbeau is licensed in CA. 

All products are subject to credit and property approval. 

Program terms and conditions are subject to change without prior notice. 

Other restrictions and limitations apply. 

The content here does not substitute for 

professional legal, securities, 

tax or accounting advice. 

Sun West Mortgage Company, Inc. (NMLS ID 3277) 

in California holds a Financing Law License (#6030119) 

[Loans made or arranged pursuant to a 

California Financing Law license], 

a California Financing Law Branch License 

(60DBO-125356) 

for the Irvine, CA Branch Office (NMLS ID 2061392)

 located at 20 Pacifica, Ste.460, Irvine, CA 92618, 

licensed by the California Department of Financial Protection and Innovation, Phone: (866) ASK-CORP, has a DRE Real Estate Corporation License Endorsement (#00793885), licensed by the California Department of Real Estate, Phone: (877) 373-4542. 

Please refer to https://www.swmc.com/disclaimer.php and www.nmlsconsumeraccess.org to see where Sun West Mortgage Company, Inc. (NMLS ID 3277) is a licensed lender and servicer. 

In all jurisdictions, the principal (Main) licensed location of Sun West Mortgage Company, Inc. is 6131 Orangethorpe Avenue, Suite 500, Buena Park, CA 90620, 

Phone: (800) 453-7880.

Get Your Mortgage Approved

 

A good number of home loan applications were denied for houses 

in 2019, according to the latest available data supplied by lenders to the

 federal government under the Home Mortgage Disclosure Act. 

Don’t be another number. Buy or refinance or enjoy your dream home.

 

Reasons for the denials:

• High debt-to-income ratio
• Poor credit history, low middle FICO or no credit
• Lack of collateral
• Incomplete applications, insufficient cash, unverifiable information, 
• spotty employment history, and all types of things 
• that I call let’s share confession together and fix those narratives
• Negative income or no income on IRS returns
• Cosigning for family members on large accounts
• Clouded title or DIY title transfers
• Job changes outside of prior career that don’t make sense
• Buying owner occupied down in value in 
• same neighborhood without explanation

Many rejected applicants narrowly missed qualifying for a home loan, 

while others received less-than-desirable mortgage offers. 

Fortunately, both groups may be eligible for better mortgage options. 

All it takes is a little help and a mortgage banker who cares.

 Having a mortgage banker with twenty nine years of experience 

and three billion dollars in closed loans makes all the difference. 

We are available to answer your questions seven days a week for free. 

I’m willing to vet your scenario or price check your offer. 

We can close a real estate transaction in twelve days if you are cooperative. 

Low rates, thousands of types of mortgages, no up front cost to shop…

Borrowers with low credit scores may not realize how much their financial decisions, 

credit score and interest rate factor into mortgage qualification. 

Fixing your credit increases the chances of obtaining a desirable mortgage loan.

 Even if we can’t make it perfect now we have programs with scores as low as 560

Creditxpert® Wayfinder™ evaluates hundreds of options, 

looking at the positive and negative factors influencing the borrower’s credit score to offer the best possible solutions.

Our Simulator proposes changes you can tweak could take to raise you credit score,

 such as adding or removing accounts and correcting errors.

After the borrower has completed the recommended actions, 

our Score  program can update credit bureau files and re-pull credit 

within as little as 72 hours.

• Delete misreported, inaccurate or outdated information
• Remove derogatory information and accounts reported in error
• Update accounts that are paid in full and closed
• Update the status of a collection, including balance or paid-in-full status
• Update accounts included in bankruptcy
• Remove late dates from tradelines

Let’s get you looking perfect on paper before you write the offer 

so you can buy that home in this competitive market. 

We are here to help.

(949) 784-9699

NMLS 324982

20 Pacifica #460 Irvine, California

 

 

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Starting seeds in paper egg cartons is an easy 

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Mortgage Refinance

Mortgage Refinance  
Tips For Getting 
Approved

Getting a low refinance rate for your mortgage 

can be very complicated.

However, with a few tips you will be able 

to get the loan you need 

and get the lowest monthly payment possible. 

There are many reasons that people refinance their mortgage.

Some of the main reasons why: 

You have old loans that have high interest rates, 

You have debt that is catching up to you,  

You want to pay for college or to invest in another

property.

Whatever the reason there is a solution that is available for you.

 Here is how you can do it.

The first thing that you need to do is find out what your 

mortgage refinance options

are best for your needs. 

One of the most popular choices is a fixed rate mortgage. 

This type of mortgage can lower your monthly payment since rates are so low.

There is not much difference in rate between a fifteen year 

or five year or ten year loan.

The fifteen year mortgage has the lowest rate but highest payment

Perhaps you cannot qualify for a government backed type loan, we

have solutions to help self employed borrowers or those who have assets but 

not W-2 income.

If you plan on applying for a mortgage refinance, 

then you should know how to get approved. 

If you have a decent credit score, a FICO above 690,

you should have no problem getting approved for a mortgage. 

The mortgage industry is very competitive, 

and you will be able to find the perfect mortgage. 

Another thing you can do to get a lower interest rate 

is to pay points off your mortgage. 

This reduces the amount of interest you pay on your mortgage,

 which can save you thousands of dollars over the life of your mortgage. 

Points are not a great choice if you think you will sell in the next four years.

We will advise you on the best mortgage.

As you can see, there are many ways to get approved for a mortgage refinance 

if you are ready to take your financial situation into your own hands. 

You should be prepared with all your financial information before you start 

filling out applications, it is not necessary to have perfect credit 

in order to get approved for a mortgage.

 

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