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Residential Loan Options

You found the perfect home. Now find the right mortgage lender and financing options at Sunshine Bank.

Our dedicated loan officers know the features of each product and understand your needs - allowing you to choose the best loan for you. We will guide you through the entire mortgage process, from pre-approval to choosing the right loan to closing on your purchase - all while providing uncompromising service backed by years of experience within the industry.

FHA Loans

FHA loans are intended for first-time homebuyers or buyers with a smaller down payment. Backed by the government, these loans are typically more flexible with credit requirements and require less of a down payment than conventional loans.

VA, USDA Loans

Guaranteed by the Department of Veteran’s Affairs, a VA loan is only available to veterans of any US Military branch. This loan requires no down payment or mortgage insurance, and allows full financing of the value of the home.

Fixed Rate and Adjustable Rate Mortgages

Available in several terms, fixed rate mortgages offer the stability of a set interest rate for the life of the loan, fixed monthly payments, and low down payment requirements. Adjustable rate mortgages (ARM) provide variation in the rate – either lower or higher than the rate at the time the mortgage was closed.

Jumbo Loans

Jumbo loans are for borrowers whose mortgage loan exceeds $417,000. They are suitable for primary or secondary homes.

New Construction

Construction to Permanent Loans are designed for those who are custom building a home and using a conventional, jumbo, or FHA loan. This is only available for primary residences.


Sunshine Bank NMLS 418441

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