About Sunrise Mortgage Services, LLC

WHY Licensed Home Matchmaker?

As a licensed Wedding Officiant, I have the honor to pronounce many couples as husband & wife. Today, I have the privilege to pronounce them Mr. & Mrs. Homeowners by matching them with the perfect mortgage program that complements their needs. Sunrise Mortgage Services LLC is another extension of the “life building” services created with the customer, YOU, in mind.

Quality Service

One of the dreams of newly married couple and couples connected by love is purchasing a home together. For some of you, this will be a first-time experience. Naturally, you want to ensure that your decision to buy and own a new home doesn't impact your long-term financial consideration without yielding additional benefits. So, before starting the search for your dream house, allow me as your Home Matchmaker/Mortgage Loan Officer to pre-qualify you. Completing this simple preliminary step will show your Real Estate Agent and potential Sellers that you are a serious Buyer capable of getting the necessary financing. Pre-qualification also helps you know how much you can afford, so you can narrow down your search and don’t waste your time looking at homes outside your budget. Allow me to partner with you to thoroughly guide you through the home loan process all the way to the closing table.

BUYING A HOME BEFORE MARRIAGE

Your marital status can affect whether you purchase individually or as co-owners. Also, it impacts how you choose to hold title to the home. There are PROS and CONS of single versus joint mortgage application as well as the most common types of title ownership joint home buyers undertake.

• Applying as unmarried individuals allows the person with the stronger credit to “purchase” the home on the strength of their credit.
• Married couples usually have a tax advantage over unmarried couples when it comes to home ownership.
• If two unmarried people buy a house together, only one will benefit from that tax break.
• Unmarried couples also have a bit of flexibility in how they hold title to the property

Here is an important tip: If you are buying a home as an unmarried couple, it is important to have full transparency with your partner. You should make sure to discuss essential topics such as your financials and future outlooks for the property if you were to unfortunately break up or pass away. Once you both are on the same page, you can start the pre-qualification process with a license mortgage professional such as myself. Needless to say, it will be my pleasure to walk you through the mortgage process!