Sunny Moosai

Mortgage Loan Officer


1200 West County Rd. E
Suite 200
Arden Hills, MN 55112


Meet Sunny

With over 16 years of financial industry experience, I’ve had the opportunity to educate and inform many home loan borrowers! I specialize in helping the people I work with establish or rebuild credit and obtain the best loan options for their unique situations.

Purchasing a home or refinancing your existing home can be very exciting and also a bit overwhelming. My goal is to make the mortgage process as easy and seamless as possible. I take great pride in providing excellent service, whether it’s educating first-time home buyers during the loan process, offering prompt and efficient service when refinancing, or even purchasing or building your dream home. My philosophy has always remained the same: To give excellent service while handling your financial needs like they were my own!

I am a lifelong resident of the Twin Cities area and spend most of my free time cheering my two children on at soccer and football games. I can also be found enjoying time by the water or carving up the ski slopes with friends and family.

Hunter W.
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"My first time homebuying experience could not have been easier or better in any way. From knowing nothing to being fully educated and closed on a perfect house, Sunny was there to help. Looking forward to using your services again in the coming years."
Sarah R.
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"Sunny was the best loan officer I have ever worked with. Every time I had any doubts in the process, I was able to call her and she would explain things to me in order to reassure me that things were going to work out. She was ALWAYS so pleasant, positive and helpful. I have already recommended Sunny and Lake Area Mortgage to everyone I know! Thank you for helping me get my house!"
Symone W.
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"Sunny did an outstanding job. She was very helpful throughout the entire process; from helping me pay down debt, pre-qualifications and ensuring that I understood each step of the home buying process. I would highly recommend her to anyone. Thank you, Sunny!"
Christopher P.
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"Sunny is the best! She was easy to work with and was always available."


Homebuying Solutions

For first-time homebuyers, move-up buyers, second home purchases, and investment properties. Lake Area Mortgage is dedicated to making the entire process smooth and simple.


Building Your Dream Home?

Lake Area Mortgage makes financing easy with our Single-Close Construction Loan – one loan, one set of closing costs.


Thinking About Refinancing Your Mortgage?

We’re here to help you take the next step. Lake Area Mortgage can help you determine whether refinancing is right for you.


Don’t Move. Improve!

The Lake Area Mortgage Renovation Loan provides a simple and convenient way for borrowers to finance home improvements and renovations.

Mortgage Calculators To Help Plan Your Home Purchase

Our Easy Loan Process

Let’s Talk About You

Set up a meeting with your mortgage loan officer to discuss your home financing needs, goals, and current fiscal situation. Be prepared to provide information on your current income, assets, and liabilities. You’ll also need to agree to a review of your credit report. We’ll use this information to provide a pre-qualification for a loan, including the loan amount that you qualify for.

Shopping for a home with pre-qualification is shopping with confidence!

Apply Online

Your loan officer will provide you with a more detailed list of required documents for your official loan application. The documents required to approve and underwrite your loan can vary depending on program, credit score, and job type.

During this step, you’ll also be looking to make an offer on your new home.

Let Us Do The Work

Once your offer to purchase a home has been accepted, your loan officer and their team will begin processing your file for underwriting. During this time, we may request additional items that we need to approve your loan.

Generally, your rate will be locked at this time and an appraisal will be ordered.

Underwriting Process

Our in-house underwriting team will review the file to issue a loan decision. Your approval may require you to submit additional items. Once these extra items are submitted, we’ll be able to obtain final approval in 24 to 48 hours and your loan will be clear to close!

After your loan is clear to close, you will be notified of the exact amount of money you will need to bring to closing.

Clear to Close

Once you sign the final loan documents, the transaction will be completed and closed.

If your loan was a purchase, you’re a new homeowner! Your real estate professional will have your house keys at closing or schedule a time to deliver them.

If your loan was a refinance, enjoy the benefits of your new loan!

Our History

Lake Area Mortgage is proud to have been a top local lender with a reputation for providing expert mortgage loan services since 2007. Lake Area Mortgage is a division of Royal Credit Union, meaning that by obtaining a Lake Area Mortgage loan you also become a Member of Royal Credit Union. During the loan process, you’ll open a Royal Credit Union savings account as your share in the credit union and gain access to all the accounts, loans, and services that Royal Credit Union offers.

Our #1 Priority is your Satisfaction

All stages of the loan process are handled here, at Lake Area Mortgage. You’ll appreciate our experienced staff, in-house processing, underwriting and closing department to help ensure the loan process goes smoothly.

We pride ourselves on having award-winning loan officers who are dedicated to helping customers land their dream homes. Our local market knowledge can be key during your homebuying process.

Sunny Moosai

Mortgage Loan Officer | NMLS#1536606