Business Details
Your Trusted Mortgage Partner in San Francisco
At SunnyHill Financial, we specialize in providing tailored mortgage solutions designed to meet the unique needs of our clients. With over 50 years of combined experience in the mortgage industry, our team has worked across traditional banking institutions and cutting-edge fintech startups, ensuring we bring both depth and innovation to every transaction. Our streamlined process eliminates last-minute delays, while our commitment to transparency ensures we never proceed without your full understanding and approval. We pride ourselves on clear communication, maintaining personal involvement throughout each loan process to keep you informed at every step.Our speed allows us to close loans significantly faster than the industry average, and our side-by-side comparisons make your best options crystal clear. As first-time buyer specialists, we provide peace of mind as you navigate this critical investment decision. Our technology-driven approach enables us to deliver top-level service, resulting in quicker closings with less stress and frustration. Customer testimonials consistently highlight our responsiveness, expertise, and ability to execute transactions smoothly and efficiently.
Services
Fixed Rate Mortgages
Jumbo Loans
Government Loans
Adjustable Rate Mortgages
Refinancing
Highlights and features
- We have over 50 years of combined mortgage experience across diverse lending environments.
- Our streamlined process avoids last-minute delays and accelerates loan closings.
- We maintain full transparency, never proceeding without your 100% readiness.
- Our loans close significantly faster than the industry average.
- We provide clear side-by-side comparisons to make your best options obvious.
What people say
Smooth transactions
Responsive communication
Expert guidance
Timely execution
Personalized service
Services
Fixed Rate Mortgages
Fixed Rate Mortgages provide consistent interest rates and monthly payments throughout the loan term. These loans protect borrowers from market fluctuations, offering financial predictability for long-term planning. Ideal for homeowners seeking stability over 15, 20, or 30-year periods.
Government Loans
Government Loans include FHA, VA, and USDA programs with specialized benefits for qualified borrowers. These options offer lower down payments, reduced interest rates, and flexible qualification requirements. Designed for veterans, first-time buyers, and rural property purchasers.
Jumbo Loans
Jumbo Loans exceed conventional loan limits for high-value properties. Available as fixed or adjustable-rate options, these loans cater to luxury home buyers or those in high-cost areas requiring larger financing amounts beyond standard conforming limits.
Adjustable Rate Mortgages
Adjustable Rate Mortgages feature initial fixed-rate periods followed by periodic rate adjustments. Offered in 5/6, 7/6, and 10/6 structures, these loans suit borrowers planning shorter ownership periods or anticipating future income increases.
Refinancing
Refinancing services help homeowners reduce interest rates, shorten loan terms, or access equity. Our process simplifies rate adjustments and loan restructuring while maintaining transparency about closing costs and long-term financial impacts.
People
Ben Robinson
President & Mortgage Advisor
Ben Robinson combines leadership expertise with hands-on mortgage advisory experience, ensuring client needs align with strategic business operations while maintaining direct customer engagement through personalized loan guidance.
Tyler Flora
CEO & Mortgage Advisor
Tyler Flora leads SunnyHill Financial's executive team while maintaining active client advisory roles, balancing organizational vision with practical mortgage solution implementation across multiple licensed states.
Jason Quigley
Head of Sales
Jason Quigley directs national sales operations with extensive multi-state licensing experience, developing strategic growth initiatives while maintaining direct oversight of client acquisition and retention programs.
Brian Cooke
Senior Loan Originator
Brian Cooke specializes in first-time homebuyer programs and refinancing solutions, consistently recognized for responsive service and technical expertise in complex loan scenarios across diverse market conditions.
Joanna Mansour
Director of Operations
Joanna Mansour oversees operational efficiency and loan processing standards, ensuring seamless transaction execution while maintaining direct client communication throughout the mortgage lifecycle.
Questions
Why should I use a mortgage broker instead of a bank?
Mortgage brokers access multiple lenders and loan products, potentially finding better rates and terms than single-institution offerings while providing personalized guidance throughout the process.
What mortgage options exist for first-time homebuyers?
We offer FHA loans with low down payments, VA loans for veterans, and conventional options with specialized programs for first-time buyers including down payment assistance.
Can I refinance with bad credit?
Credit requirements vary by loan type - while conventional refinancing needs higher scores, government programs like FHA streamline options exist for borrowers with lower credit scores.
How long does the mortgage process take?
Our average closing time is significantly faster than industry standards, typically completing transactions within 30-45 days depending on loan complexity and documentation timeliness.
What documents are needed for pre-approval?
Basic pre-approval requires income verification, asset statements, and credit authorization, with full documentation requirements provided transparently during initial consultations.
Do you offer jumbo loans?
Yes, we provide jumbo loan options for high-value properties with competitive rates and flexible terms tailored to luxury home financing needs.
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