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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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Our Changes For Your Benefit

Jun 01, 2016 (0) comment , , , ,

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Hope you had a relaxing Memorial Day weekend. To benefit you and your clients, we have just updated our rate sheet to easily show the alternative finance programs we offer taking into account the numerous changes, due to recent regulations handed down by the Feds. Please let us know if you have any questions. And…

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Private Lending Filling the Mortgage Gap

May 20, 2016 (0) comment , , , ,

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With Real Estate prices rebounding in California, it’s surprising to see banks still being cautious and lean only toward wealthier, lower-risk borrowers. This has left a widening gap in the mortgage industry between Lenders and potential Borrowers with less than perfect qualifications.  Mortgages in the U.S. last year totaled about 1.6 trillion, according to the…

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Recently Funded – Providing More Options

May 10, 2016 (0) comment , , , ,

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Hard Money Provides … A Quick Close Multiple Options Shorter term loan Makes an impossible deal possible “The entire family and staff at Sun Pacific Mortgage are the best hands down.  They are honest, direct, professional, quick, efficient and realistic.  It was like when everyone else seemed to be against us, Sun Pacific found a…

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