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Refinance Using Hard Money

Aug 22, 2016 (0) comment , , , ,

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Refinance Using Hard Money You have loanable equity in your property, whether it’s residential, commercial or land, and want to borrow against it.  Loanable equity means the amount you can borrow that exceeds what you already owe not to exceed 70% of the value of the property.  For example: you owe $245,000 and the value…

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Top 5 Reasons To Refinance Using Hard Money

Aug 15, 2016 (0) comment , , , , , , ,

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If you have good equity in your home, you can potentially refinance.  Below are the top 5 reasons one would refinance using hard money, also known as alternative financing: Remodel your property Buy an investment property Consolidate debt Get ready for the Holidays Finance kids education   Refinancing one’s home doesn’t only reduce stress it…

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Fractionalized Loan Investing

Aug 11, 2016 (0) comment , , ,

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Funding Large Loans… I wanted to report nothing but good news here at Sun Pacific Mortgage. Last month was another record production month. We are funding an ever increasing number of loans and larger and larger loans. To get some of the larger loans done we have had to “fractionalize” the loan. This is the…

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What are Hard Money Loans and How Do They Work?

Jul 01, 2016 (0) comment , , , , ,

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If you’re not familiar with Hard Money Loans, you may be asking yourself what they are, and what makes them different from traditional loans? If you have had trouble getting a loan through your bank or other traditional lending options due to bad credit, a past bankruptcy, or other troubles, it may be time to…

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Owner Occupied Principal Residence – Part 2 of 2

Jun 28, 2016 (1) comment , , , , ,

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This is Part 2 of Owner Occupied Loans. In this writing I will feature several of the legal aspects of this all-important Program. If you missed reading Part 1, click here! The purpose of this article is to encourage investors to continue to make these loans, in spite of the rumors that exist surrounding them.…

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Get a Home Loan even with Bad Credit

Jun 21, 2016 (0) comment , , , ,

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Every day people are turned down by their favorite banks, and lenders due to bad credit or other circumstances. These are often hard working individuals with good income, enough savings for a down payment, and a desire to own a home. Unfortunatley for these people, banks usually don’t look any closer than your credit score…

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Ways To Improve Your Home For Under $1,000

Jun 15, 2016 (0) comment , , , , ,

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There are many benefits to owning a home. Increasing equity and the ability to make improvements or changes to the house are homeowner benefits I will discuss here. Having worked in the real estate and mortgage industry for almost 30 years now, at our family owned and operated Sun Pacific Mortgage & Real Estate company,…

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Local & Creative Financing For Real Estate

Jun 13, 2016 (0) comment , , , ,

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“I am truly in awe of you your company! Yet again another seemingly seamless (I know you are working hard to make it seamless) process thanks to the systems that you have in place! Always a pleasure!” “I commend you on another transaction and I will continue to refer you guys as I have on…

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California Housing Market Headed in Right Direction

Jun 09, 2016 (0) comment , , , ,

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In April, California Association of Realtors released their 1st quarter California Housing Market Update citing a number of interesting updates. C.A.R. President Pat “Ziggy” Zicarelli was quoted as saying: “California’s housing market is moving in the right direction as we enter the spring home-buying season, but sales growth will likely be isolated in areas where…

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Owner Occupied Principal Residence – Part 1 of 2

Jun 08, 2016 (1) comment , , , , ,

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 This will be the first in a series of articles that will explore the varied types of loans we offer Investors. Let me start off by saying that I will always do loans to homeowners that are owner occupants. It is an important segment of lending and a heck of a niche for my office.…

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