Dallas — Fort Worth Mortgage
Brokerage NMLS #1104916
A Brighter Way Home

A mortgage is more than a rate. It's the way home, shaped around you.

From first homes to growing portfolios, we shop your scenario across 90+ lenders — quietly, clearly, and always in your interest.

Get my rate Explore options
Sun Kim, mortgage broker at Fund with Sun
Our Philosophy

We believe the best loan isn't sold. It's found — by someone who knows your name, your goals, and the whole market.

Most borrowers meet one bank and see one menu. As an independent brokerage, we work the other way around: your file goes across a network of more than ninety lenders at once, and the best terms rise to the top. Conventional, FHA, VA, jumbo, bank-statement, investor — every path is on the table.

And because we take on a deliberate number of clients at a time, you work with a dedicated broker from first conversation to keys in hand. Full transparency on fees, rates, and timelines. No surprises — ever. That's what a brighter way home means.

Loan Options

A loan for every path.

Six ways home, one broker shopping all of them. Every option below is drawn from a network of 90+ lenders.

01

Conventional

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The classic path with the broadest options and lowest overall cost — ideal for strong credit and move-up buyers.
3%min. down$806Kup to
Enquire →
02

FHA & VA

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Government-backed programs with minimal down payments and flexible credit — made for first-time and veteran buyers.
0–3.5%min. down$1.2Mup to
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03

Jumbo

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Financing above conforming limits for premium homes, with competitive terms and flexible structures.
10%min. down$30Mup to
Enquire →
04

Non-QM & Bank Statement

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Qualify on bank statements, assets, or rental income instead of W-2s — built for entrepreneurs and business owners.
15%min. down$10Mup to
Enquire →
05

Investment & DSCR

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Grow your portfolio with financing that qualifies on the property's rental income — single-family to multi-unit.
15–20%min. downNo W-2sneeded
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06

Refinance

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Lower your payment, shorten your term, or tap your equity. We'll tell you honestly whether it makes sense.
Rate/termor cash-outFreeanalysis
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Payment Estimator

See what you'd pay, in seconds.

Drag to model your purchase. We refine the exact rate once we shop your file across the network.

Home price$400,000
Down payment$80,000 · 20%
Interest rate6.5%
Loan term
Est. monthly principal & interest
$2,023/mo
Loan amount$320,000
Down payment$80,000
Total interest, life of loan$408,000
Get my real rate

For illustration only. Excludes taxes, insurance & HOA. Your rate depends on your file — subject to credit approval.

The Process

Four steps to keys in hand.

01

Tell us your goal

Two minutes online. No credit pull, no sales call — just where you're headed and what you need.

02

We shop 90+ lenders

Your scenario goes across our whole network at once. The best terms rise to the top.

03

Compare & lock

Real offers side by side with a broker who knows your name — then lock your rate with confidence.

04

Close on time

We clear conditions fast, keep you informed at every step, and close on your timeline.

“
I didn't feel like another business transaction — I felt like someone they wanted to help close and succeed. Amazing team.
Andre P. — ★★★★★ Google Review
Client Stories

Real reviews, real closings.

5.0 ★
Google · Ignite Loan Partners
73 five-star reviews
5.0 ★
Zillow · Sun Kim
NMLS #1104916
★★★★★

“I got connected with Sun and I'm so happy I did. She got me pre-approved and closed quickly — it made this process seamless. Definitely recommend Sun!”

Lexy P.Google · Pre-approval & purchase
★★★★★

“I was honestly nervous about buying my first investment home. Sun made the whole process so much easier than I expected and explained things in a way I could actually understand.”

Dennis K.Google · Investment property
★★★★★

“Sun is delightful and patient. Her communication and responsiveness stood out the most — she creates time to be available and explained complex terms clearly.”

Marina C.Google · Home purchase
★★★★★

“Working with Sun Kim was an excellent experience! Knowledgeable, patient, and always took the time to explain each step of the mortgage process clearly.”

Austin M.Google · Home purchase
★★★★★

“Very easy process for our refinance. Sun was available for any questions we had and responds quickly to messages.”

Duane K.Google · Refinance
★★★★★

“Sun made everything so easy and really goes above and beyond to make the best deal for you. I'm recommending her to anyone who wants to buy a house — anywhere.”

Verified Buyer, San AntonioZillow · First-time buyer
Get Your Rate

Sixty seconds to a brighter rate.

No credit pull · No obligation · No pressure

What's your goal?

Step 1 of 5

What price range are you looking at?

Step 2 of 5 — a rough guess is fine

When do you want to move?

Step 3 of 5

How's your credit?

Step 4 of 5 — your best guess, nothing gets pulled

Where should we send your options?

Step 5 of 5 — we reach out within one business day

By submitting, you agree that Fund with Sun may contact you by phone, text, or email about your inquiry. No cost, no obligation, and no impact to your credit to start the conversation.

You're all set.

We've got your details and we'll reach out within one business day with real options for your scenario. Want to move faster?

Book a time on the calendar Start the full application

Book a Consultation

Grab a time with Sun.

Sun Kim
Sun Kim Prefer to skip the quiz? Pick a time straight off the calendar — no forms, no waiting.
Common Questions

Answers before you ask.

How much do I need for a down payment?+
It depends on the loan. VA can go as low as $0 down, FHA starts at 3.5%, and conventional loans can start at 3%. Jumbo and investment loans typically require more. We'll match you to the program that fits your situation and goals.
Can I get a mortgage if I'm self-employed?+
Yes. Beyond conventional loans, we offer bank-statement and non-QM programs designed for self-employed borrowers, business owners, and investors — qualifying on bank statements, assets, or rental income instead of traditional W-2s.
What credit score do I need?+
There's no single cutoff. We work with a wide range of credit profiles — from first-time buyers building credit to seasoned borrowers — and shop your file across 90+ lenders to find the best available terms for your score.
Does it cost anything to get started?+
No. Getting pre-qualified and requesting a quote is free, with no obligation and no impact to your credit to start the conversation.
How fast can I get pre-approved?+
In most cases, within 24 hours. In a competitive market speed matters, and a strong pre-approval letter lets you make offers with confidence.
Where do you lend?+
We're based in Dallas–Fort Worth and licensed in Texas, operating under Ignite Loan Partners, which is licensed in 22 states including Arizona, California, Colorado, Florida, and Washington. Ask us about your state.
Let's Talk

Ready to find your rate?

A sixty-second conversation puts your scenario in front of 90+ lenders. Or skip straight to the application.

Get my rate Apply online now
Mobile(919) 757-3617
Office(945) 298-5610
HoursMon – Fri, 8am – 6pm
LocationDallas / Fort Worth, TX