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Looking to buy, build, or refinance your home?

We are here to help you through the mortgage process! 

OUR 4 STEP HOME LOAN PROCESS

Get Pre-Approved & Make an offer:

We will work together to fill out your mortgage loan application, review credit, and gather the documents needed for a pre-approval. A pre-approval lets you go shopping for a home with confidence so that you know exactly what you can afford and that you feel prepared to move forward! If you are looking to refinance an existing mortgage loan, this would be the stage that we review numbers for you to ensure your refinance is structured with your financial goals in mind.

Start the Home Loan Process:

Once you are under contract to purchase a home or ready to start a refinance, the loan officially begins. We will also work together to make sure that all your documents are up to date and ready to be processed. Your appraisal is ordered now to help you determine that the home’s value is in line with your contract price if you are purchasing and in line with your financial goals if you are refinancing.

Submit to underwriting:

At this time we will submit all of your loan documents to underwriting. Underwriting will review your file and give us a list of additional documents needed to close the mortgage. We will let you know if we need your help in gathering those documents. Once we have everything in, the underwriter will issue a final approval and clear to close on your home!

Closing:

3 days before the actual closing is set to occur, you will receive a copy of the Closing Disclosure to sign. Once this is signed, we are able to schedule your final signing at the title company. The title company is a 3rd party company that compiles all of the documents and helps to ensure all the funds are exchanged correctly between all parties. Once the funds are received at title, they will record the trust deed and the transaction will be complete! If you are purchasing a home, this is when you get your keys! If you are refinancing your mortgage, this is when your new loan goes into effect.

Standing strong since 1984

Since 1984, we have strived to build a company that people can rely on and trust. We take pride in creating an experience that is Easy, Fast and Memorable! We are your home loan experts in Arizona, Utah, California, New Mexico with a 5 Star Rating! Nothing is more gratifying than knowing we are helping people with one of the most important decisions in their lives – their home.

We Are Your Go-To Home Loan Mortgage Lender! These days with so many government regulations, getting a home loan can be stressful. That is why we have put together the strongest, most effective Home Loan process in the market. Our mortgage loan process takes you through step-by-step, with consistent communication, so you know what is going on every step of the way. One of the biggest reasons we are able to provide the service that is unmatched, is that most of our employees have worked here for 15 years or more. We have several that have hit the 20 year mark! We know how to make this a great experience for you. Whether you’re trying to secure a Utah mortgage, Arizona mortgage, or California mortgage, we can help you. We’ve been rated one of top local mortgage lender for over 35 years!

Find a loan officer

Becky Staples

Loan Officer
Lending Manager St. George
NMLS# 912705

Brandon Staples

Loan Officer
Lending Manager Richfield
NMLS# 1024578

Aubrie Klafke

Loan Officer | St. George
NMLS# 1071032

Chris haleck

Loan Officer | St. George
NMLS# 1720955

kenzie draper

Loan Officer | Richfield
NMLS# 1726455

Nan GLauser

Loan Officer | St. George
NMLS# 1119710

Shanell Taylor

Loan Officer | richfield
NMLS# 1771982

Jocelyn glauser

Loan Officer | St. George
NMLS# 1879061

Scott Glauser

Loan Officer | St. George
NMLS# 1878425

Mike Hennigar

Loan Officer | St. George
NMLS# 1481179

Trevor Lyon

Loan Officer | St. George
NMLS# 1840602

Angel Copling

Loan Officer | St. George
NMLS# 1470647

ERICA SMITH

Loan Officer | Richfield
NMLS# 1692522

KEIA BLAKE

Loan Officer | St. George
NMLS# 302263

ALLIE COUTTS

Loan Officer | St. George
NMLS# 1804981

Home Buyers in Utah

Get Pre-approved fast

The first step in buying a home is to get pre-approved for your mortgage. This allows you to shop for your home with confidence and put in more competitive offers on homes. We are able to get you pre-approved within 24 to 48 hours! 

Save $500 on your home appraisal

In addition to our quick pre-approval process, we will also cover the cost of your home appraisal if you finance your home with Sun American Mortgage! We will cover up to $500 of your appraisal cost. See appraisal page for more details.

office hours

Monday - Friday: 8:00 a.m. - 5:00 p.m.
Saturday: Closed
Sunday: Closed

We are here

Sun American Mortgage
221 E. St. George Blvd.
St. George, UT 84770