Business Details
18 Years
experience
Emergency
services
Your Trusted Mortgage Consultant in Miami, FL
Mortgages with Sunny is a dedicated mortgage consulting firm founded by Sunny Fonseca, a seasoned professional with over 15 years of experience in the Miami and South Florida mortgage industry. Our team specializes in guiding clients through the complexities of home purchases, refinancing, and financial strategy development. We prioritize personalized service, leveraging deep industry knowledge to create tailored mortgage plans that address individual credit profiles, income structures, and long-term financial goals. Our commitment to excellence is demonstrated through our track record of successful closings, including challenging cases involving non-prime loans and rapid turnaround timelines.We maintain constant communication throughout the loan process while educating clients about conventional, FHA, VA, jumbo, and renovation loan options. Our reputation for 24/7 availability and problem-solving expertise has earned us recognition from clients across Florida and beyond, including testimonials highlighting our ability to secure approvals where other lenders have declined applications.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Non-Prime Loans
FHA 203K Renovation Loans
Details
- Year established: 2008
Highlights and features
- We offer personalized mortgage strategies tailored to individual financial situations
- Our team specializes in conventional, FHA, VA, jumbo, and non-prime loans
- We provide 24/7 availability for client consultations and support
- Our process includes comprehensive financial analysis for long-term affordability
- We have proven success with challenging loan scenarios and rapid closings
What people say
Top notch service
Best Lender ever
Excellent customer service
Amazing service
5 Star service
Services
Conventional Loans
Conventional loans offer flexible mortgage solutions not backed by government insurance. These loans provide competitive rates for borrowers with strong credit profiles. Our team helps clients navigate conforming and non-conforming loan options with lower fees and customizable down payment requirements.
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and lenient credit requirements. We specialize in FHA 203K renovation loans for property improvements and help first-time buyers achieve their goals with government-insured financing options.
VA Loans
VA loans offer zero-down payment options for eligible veterans and military families. Our experts guide clients through the VA loan process, including funding fee calculations and certificate of eligibility requirements, ensuring veterans receive their full benefits.
Jumbo Loans
Jumbo loans cater to high-value property purchases exceeding conventional loan limits. We provide tailored solutions for luxury home buyers and investors, with specialized underwriting for unique financial situations and property types.
Non-Prime Loans
Non-prime loans serve borrowers with unique credit histories or financial challenges. Our team excels at finding solutions for clients declined by traditional lenders, using creative underwriting to achieve successful loan approvals.
People
Sunny Fonseca
Mortgage Lender
Sunny Fonseca is a seasoned mortgage professional with over 15 years of experience in the South Florida market. She specializes in conventional, FHA, VA, and jumbo loans while maintaining a client-focused approach that emphasizes education and transparency throughout the mortgage process.
Questions
What mortgage loan types do you specialize in?
We specialize in conventional, FHA, VA, jumbo, non-prime, and FHA 203K renovation loans, providing tailored solutions for various financial situations and property types.
How does your mortgage process work?
Our process begins with a comprehensive financial analysis to create personalized mortgage plans, followed by pre-approval, document preparation, and continuous support through closing.
Can you help with bad credit mortgage applications?
Yes, we specialize in non-prime loans and have successfully helped clients with credit challenges secure mortgage approvals where other lenders declined their applications.
Do you offer 24/7 client support?
Yes, we provide 24/7 availability for consultations and support throughout the entire mortgage process to accommodate our clients' schedules.
What areas do you serve?
We primarily serve Miami and South Florida, with experience helping clients across Florida including Hollywood, Orange Park, and Big Pine Key locations.
How quickly can you close a mortgage loan?
Our fastest closing completed in 45 days for a rental property transaction, with typical timelines varying based on loan complexity and client preparedness.
