Founding Partner Advantage

Angel Points
  • Founding Partners earn Double Angel Points.
  • Earn Angel Points every time you use AngelAi.
  • Redeem Angel Points for Credit Reports, Appraisals, Lock Extensions, Cool Swag, and More!
Mortgages Generated by A.I. -
No Turn Times, Beyond Fast, INSTANT⚡
  • AngelAi Partners never worry about turn times.
  • Pre-Approvals, Conditions, Disclosures, Underwriting, and Settlement are all completed by AngelAi, on the spot, at your service, 24/7.
One and Done Warranty -
The Only Warranty in the Industry
  • AngelAi’s word is SOLID GOLD.
  • AngelAi's $119 Billion warranted A.I. so your word to your customers is SOLID GOLD.
  • No surprise conditions, perfectly balanced CDs, effortless closings.
Exclusive Access to the Latest Programs First
  • Full Suite of FHA, VA, USDA, Fannie Mae & Freddie Mac Programs. No Overlays!
  • Wide Array of Non-QM Products for Investors, Self-Employed, Challenged Credit, and More!
  • Superior Rates with Unmatched Service!
10x Your Business with AngelAi Marketing Services: 100% Free
  • Don’t spend thousands on lead-gen systems, CRMs, dialers, campaigns, and support staff.
  • AngelAi Marketing outperforms every tool out there at no cost to you. Let AngelAi create your custom flyers and web pages. Your web page uses your custom domain and web address with lifetime access.
  • AngelAi can run outbound call campaigns, prospect using lead-gen data and transfer warm leads to you.
10x Your Business with AngelAi Processing Services: 100% Free
  • AngelAi Processing Services are better than any Processor you can hire because she never makes a mistake and never gets overwhelmed. No human Processor, no matter how talented, can match AngelAi with its 24x7 availability, instant response backed by a 100% warranty, and scale to 10x your business.
10x Your Business with AngelAi Featured Services for You: 100% Free
  • Industry-First AI with a One and Done Warranty
  • TRU Approval®: 100% Warranty. Anytime - Day or Night!
  • Underwriting Answers at your Fingertips: 24x7 Response to Borrower Scenarios
  • Use AngelSign to issue State & Federal Compliant eDisclosures
  • Use AngelAi to communicate in different languages
  • Audits, Exams, MCR Reporting? AngelAi has your back Improve Scores with Credit Boost & More!

Exclusive Agency & Government Benefits

Fully Ai. 10x your business without Turn Time Worries.

Early Access to New Loan Limits.
Early Access to New Loan Limits.
True Agency Guidelines - No Overlays.
True Agency Guidelines - No Overlays.
FHA/VA FICO Down to 500.
FHA/VA FICO Down to 500.
Comprehensive Product Suite.
Comprehensive Product Suite.
EQUO DPA Product Enables Zero-Down FHA Loan.
EQUO DPA Product Enables Zero-Down FHA Loan.
Non-Traditional Credit Allowed.
Non-Traditional Credit Allowed.
Manual Underwrites Allowed.
Manual Underwrites Allowed.

New Fast & Easy Non-QM Products

Get access to Sun West’s innovative Non-QM products that make financing simpler, faster, and more flexible.

HELOC DSCR

HELOC DSCR

Perfect for Real Estate Investors

Sun West’s DSCR HELOC stands out from other DSCR programs because it combines the flexibility of a revolving line of credit with the simplicity of rental-income-based qualification. Unlike standard DSCR loans that are fixed-term and require a minimum DSCR (usually 1+), this program has no minimum DSCR requirement, allowing investors to unlock equity even from underperforming or newly acquired properties. It also permits LLC or corporate ownership, non-resident borrowers, and loan amounts up to $3 million — all rare features in the HELOC space. In short, it’s a more flexible, investor-friendly, and liquidity-driven solution than typical DSCR mortgages.
Non-QM Prime

Non-QM Prime

Ideal for Self-Employed Individuals

The Non-QM Prime Program is designed for borrowers with a strong credit history and stable financials. Ideal for self-employed individuals, this program allows flexible income documentation options, including 1099, bank statements, and asset depletion. With LTV up to 90% and loan amounts up to $3.5 million, this program offers the flexibility and expanded eligibility to meet the needs of high-net-worth individuals and self-employed borrowers.
Non-QM Flexible

Non-QM Flexible

For Low, Limited, or Derogatory Credit

The Non-QM flexible program is designed to provide alternative financing solutions for borrowers who do not meet traditional agency or non-conforming jumbo requirements due to lower credit scores, recent housing events or limited credit history. It provides maximum flexibility with LTV up to 80% and DTI up to 50%. With a minimum credit score of 620, it helps borrowers who might be overlooked by traditional agencies, with options like personal and business bank statements income documentation or 1099 income documentation. Prior housing events such as foreclosure, bankruptcy, or short sale are acceptable after 12 months seasoning. 30 day mortgage and housing lates are allowed within 12 months.
Non-QM EZ A+ Program

Non-QM EZ A+ Program

Expanded Access to Financing

The Non-QM EZ A+ Program is designed to make financing more accessible and flexible for a broad range of borrowers. With a minimum FICO of 660 and a maximum DTI of 55%, this program offers several enhanced features. Non-permanent residents can qualify with proof of an Employment Authorization Document (EAD), and the program is available even to first-time homebuyers. It also simplifies tradeline requirements and allows non-occupying co-borrowers. Borrowers with 1099 income can qualify more easily, and those with reserves can combine 84 months of asset depletion with other income types. Additionally, for bank statement loans, the program offers a tiered expense ratio based on business type and structure, further reducing documentation requirements.

Superior Pricing

Unlock Lower Rates & Better Terms

For licensed professionals, here’s a comparison of Sun West's competitive pricing versus industry standards. As a Founding Partner, you lock in better rates, giving you a distinct advantage in the market.

The Market has Spoken

The Ai technology, recognized by Silicon Valley, powers our products and pricing, giving our Founding Partners access to matchless convenience, flexibility, and financial solutions.

AngelAi gives you the capability to outperform competitors and meet the evolving needs of your clients.

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Real Stories. Real Success.

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Ready to blow away the competition with exclusive products and pricing powered by AngelAi?

*Visit swmc.com/tru-terms for TRU Approval® terms and conditions.

**Credit Boost through AngelAi is subject to restrictions and charges (see angelai.com/terms).

TRU Approval® is a service offered by Sun West and is a registered trademark of Sun West Mortgage Company, Inc. NMLS ID #3277.

Visit angelai.com/warranty for terms and limitations of the AngelAi Warranty.

Fannie Mae and Freddie Mac are registered trademarks of Federal National Mortgage Association and Federal Home Loan Mortgage Corporation, respectively.

AngelAi is a technology solution built by Celligence LLC and has a licensing agreement with Sun West Mortgage Company, Inc. NMLS 3277 to deliver superior quality financial services to you.

Mortgage and other financial services are provided by Sun West Mortgage Company, Inc. NMLS 3277. For licensing information, go to: www.nmlsconsumeraccess.org. Visit https://www.swmc.com/disclaimer for the full list of license information. Please Click Here to view Texas Complaint Notice and Servicing Disclosure.