(928) 529-5499 Paul@sundownersaloon.com


Fred J. Kierulff, Sr. Mortgage Loan Consultant

OUR Story

Founded in 2009 S/A Mortgage has been working in the mortgage sector for over 9 years.  We work closely with the largest wholesale lender in the U.S. We have over 40 years experience in financial sector working with mortgages and as a small team are able to execute faster turnaround times for loan approvals and closings than larger firms. We offer loan solutions from low credit ratings to excellent credit scores.  Loan closings as fast as 15 days and over 10 loan types with a number of approval types. Credit consultation for improving credit scores available for every client we work with.

” I’ve been working in the mortgage industry since 1990.  I’m a California native since 1960, an Air Force Brat, and have helped over 5000 families fulfill their dreams of home ownership and refinancing to better their financial positions. I’m the person on the other end of the phone, not the automated system.  We make every client feel like family because we are a family owned and operated business as well.” 

-Fred Kierulff