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Looking to buy, build, or refinance your home?

We are here to help you through the mortgage process! 

Get Pre-Approved Today!

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

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Brandon Staples

Loan Officer
Lending Manager Richfield
NMLS# 1024578

Aubrie Klafke

Loan Officer | St. George
NMLS# 1071032

ChrisCircle

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_Circle

Trevor Lyon

Loan Officer | St. George
NMLS# 1840602

Angel Copling

Loan Officer | St. George
NMLS# 1470647

EmailSignatureCircle_Erica

ERICA SMITH

Loan Officer | Richfield
NMLS# 1692522

Keia

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.

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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

The staff at the Staples Group were amazing. They were on top of my loan process at all times, I was always able to reach who I needed to talk to, every appointment for a phone call was right on time. Becky, Diana, and Angel were so helpful at all times, answering all my questions and needs promptly. I thank all the Staff at the Staples Group for a “10” rated experience.
Stan
StanGoogle Review
Chris was always reassuring and really made us feel like we were his top priority. He always made sure to communicate every move/process and explain things as we needed. Not only this, but after 10 months we refinanced with Chris and his team, who made sure we were getting a better rate and able to save money as the mortgage rates dropped. Take your business to Sun American, you won’t regret it.
Abby
AbbyGoogle Review
This is the second time that I've chosen to use the Staples Group to help me with a refinance on my home. Both times Becky, Diane, and Angel have helped me to accomplish my financial goals with ease and simplicity. They communicate better than any other mortgage company in town and they easily walk you through every step along the way. You feel like a valued customer and a friend opposed to just another transaction. Their customer service goes above and beyond. They are honestly the best choice for any circumstance.
Nate
NateZillow Review
Becky was great to work with and we soon learned why she's the best in the business! My partner and I have hectic schedules and she always answered the phone and had answers to our questions. With a new build our price kept increasing with upgrades and she always made sure to let us know exactly where we would be sitting. Angel made closing so simple and painless. It was great to work with everyone.
Kit
KitGoogle Review
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