Effective date: October 23, 2026
This website is operated by Federal First Lending LLC (NMLS #2381991), doing business as Sunset Home Lending, a wholesale mortgage broker located at 8149 E Evans Rd, Suite 1, Scottsdale, AZ 85260. By using the site you agree to these terms. If you do not agree, please do not use the site.
Information only, not an offer to lend
Everything on this website is general information. It is not a commitment to lend, an offer to extend credit, a rate lock or legal, tax or financial advice. All loans are subject to credit approval, underwriting guidelines, and property eligibility and valuation, and not all applicants will qualify. Programs, rates, fees and terms change without notice. Bethany Sanchez (NMLS #2425491) originates loans only in Alabama, Arizona, California, Colorado, Florida, Michigan, Tennessee, Texas, and Washington.
The HELOC and home equity quick quote
The quick quote shows estimated rates, APRs and payments based on the information you enter and on the pricing assumptions listed with the results. Estimates are not a Loan Estimate, a rate lock or a commitment to lend. Your actual terms depend on a complete application, a credit report, the value of the property, underwriting and the lender that makes the loan. The quick quote does not check your credit.
Compare my offer
When you upload a document on Compare my offer, you confirm that you are entitled to share it and you ask Sunset Home Lending to review it and contact you about the results. There is no cost or obligation. Sunset Home Lending does not guarantee that it can offer better terms than any other lender.
Text messaging program terms
Program: Sunset Home Lending customer and loan updates.
What you receive: If you check the optional call and text box on a form on this site, Sunset Home Lending and Bethany Sanchez may send text messages to the number you provided about your request, appointments, your loan application and loan options, including occasional marketing messages. Some messages may be sent using automated technology.
Consent is optional. You do not have to agree to receive text messages to submit a form or to get a loan.
Message frequency varies based on your request and loan status.
Cost: Message and data rates may apply, according to your mobile plan.
How to stop: Reply STOP to any message to unsubscribe. You will receive one confirmation message, and then no more texts unless you opt in again. You can also use the opt-out form or call (760) 713-3814.
Help: Reply HELP for help, or contact bsanchez@federalfirstlending.com or (760) 713-3814.
Carriers are not liable for delayed or undelivered messages.
Privacy: Mobile information is never shared with third parties or affiliates for their marketing or promotional purposes. Text messaging opt-in data and consent are not shared with any third parties. See the privacy policy.
Phone calls
If you check the call and text box, you agree that Sunset Home Lending may call the number you provided, including with automated technology, about your request and loan options. If you leave it unchecked, Sunset Home Lending will reply by email or by a regular phone call only. You can ask to stop calls at any time.
Your responsibilities
Please provide accurate information, use the site only for lawful purposes, and do not try to interfere with its security or operation. Do not submit Social Security numbers, birth dates or account numbers through website forms; sensitive information belongs only in the secure application portal.
Links to other websites
The site links to other websites, such as the secure application portal, a scheduling service, NMLS Consumer Access and government resources. Those sites have their own terms and privacy policies, and Sunset Home Lending is not responsible for their content.
Intellectual property
The content, design, logos and images on this site belong to Federal First Lending LLC or are used with permission. You may share links to pages and print pages for personal use.
Disclaimer and limitation of liability
The site is provided “as is.” Sunset Home Lending works to keep information accurate and current but does not warrant that every detail is complete or error-free. To the extent the law allows, Sunset Home Lending is not liable for losses that result from using the site or relying on its general information. Nothing in these terms limits any right you have under consumer protection law.
Changes to these terms
These terms may be updated from time to time. The effective date above shows when they last changed.
Contact
Questions about these terms: bsanchez@federalfirstlending.com or (760) 713-3814. Mailing address: Federal First Lending LLC, 8149 E Evans Rd, Suite 1, Scottsdale, AZ 85260.